eCapital vs. Triumph
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, eCapital scores higher (71.0 vs. 69.9 out of 100). Scores weigh reviews, BBB record, contract flexibility and support — not price.
Terms side by side
| eCapital | Triumph | |
|---|---|---|
| Advance rate | Up to 100% [source] | Invoice value less fee (no reserves) [source] |
| Recourse | Recourse and non-recourse [source] | Non-recourse on approved brokers [source] |
| Minimum volume | Not published | No minimums [source] |
| Funding speed | As fast as 1 hour; 24/7/365 transfers [source] | Within minutes, 24/7, into LoadPay; median decision 23 seconds [source] |
| Fuel program | $2,500 fuel credit standalone; $5,000 and 16,000 locations with factoring bundle [source] | Fuel card offered by TransConnect Services [source] |
| Credit checks | Unlimited free credit checks [source] | Not published |
| Founded | 2006 (group roots) [source] | 2010 (factoring since 2012) [source] |
| Headquarters | Aventura, Florida (eCapital Freight Factoring Corp.) [source] | Dallas, Texas [source] |
| Parent company | Not published | TBK Bank, SSB (Triumph Financial, Nasdaq: TFIN) [source] |
| Advertised features | Same-day funding, Free credit checks | Same-day funding, Non-recourse, No minimum volume |
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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