Alternative funding platform for SMBs via invoice and asset-based lending
eCapital operates a factoring and receivables-finance platform targeting small-to-medium businesses, with a modernization agenda visible across their tech choices and project list. The stack—.NET Core, React, Kubernetes, PostgreSQL—reflects a mid-stage fintech moving toward cloud-native infrastructure, while active projects signal both legacy system consolidation and new product lines (transportation financing). Hiring velocity is accelerating but concentrated in ops, finance, and support rather than engineering, suggesting they are scaling compliance, underwriting capacity, and customer service to handle volume growth rather than building new product surface area.
Founded in 2006 and headquartered in Miami, eCapital is a non-bank lender providing rapid-approval funding to SMBs through invoice factoring, accounts-receivable financing, equipment refinancing, and payroll funding. The platform serves industries including healthcare, transportation, and staffing. The company operates with over 850 employees and offers 24/7 fund access and real-time approvals. Core operational challenges center on scaling factoring processes, resolving system bottlenecks in legacy components, and managing high inbound support volume while expanding into new verticals like transportation financing.
eCapital uses .NET Core and .NET for backend services, React and Angular for frontend, Go, Java, Kubernetes for orchestration, PostgreSQL and SQL Server for databases, plus Salesforce for CRM and GitHub Copilot with Claude for AI-assisted development.
eCapital is headquartered in Miami, Florida. The company hires across the United States and Canada.
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