eCapital vs. Thunder Funding
Both serve freight & trucking. Here's how their published terms compare. "Not published" means we couldn't find the figure on the company's own site.
In our freight ratings, Thunder Funding scores higher (85.1 vs. 71.0 out of 100). Scores weigh reviews, BBB record, contract flexibility and support — not price.
Terms side by side
| eCapital | Thunder Funding | |
|---|---|---|
| Advance rate | Up to 100% [source] | Not published |
| Factoring fee | Not published | Not published; based on volume, broker credit, payment terms and recourse [source] |
| Recourse | Recourse and non-recourse [source] | Non-recourse by default (bankruptcy or insolvency) [source] |
| Contract length | Not published | 90-day agreement [source] |
| Minimum volume | Not published | No minimum number of invoices [source] |
| Funding speed | As fast as 1 hour; 24/7/365 transfers [source] | Same day if sent by 12pm PT; next day if sent by 9pm PT [source] |
| Fuel program | $2,500 fuel credit standalone; $5,000 and 16,000 locations with factoring bundle [source] | Fuel advances up to 50% of load, 7 days a week; fuel card at 8,000+ locations [source] |
| Credit checks | Unlimited free credit checks [source] | Free 24/7 broker credit checking tool [source] |
| Founded | 2006 (group roots) [source] | Not published |
| Headquarters | Aventura, Florida (eCapital Freight Factoring Corp.) [source] | Carlsbad, California [source] |
| Advertised features | Same-day funding, Free credit checks | No long-term contract, Same-day funding, Non-recourse, Fuel advances, No minimum volume, Free credit checks |
Terms are negotiated. The only way to know what you'd pay is to get quotes for your volume and customers.
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