ECapital
eCapital is an international provider of Invoice and Freight Factoring and Asset-based lending services headquartered in Miami, Florida with operations in the United States, Canada, and the United Kingdom. Marius Silvasan is the current chief executive officer of the company. In 2021, all of their subsidiaries and acquired companies were consolidated under one company, named eCapital. History 
Steve McDonald founded the company as Global Merchant Fund Corp in 2006. In 2017, Gerber Finance, a company that specializes in assisting importers, distributors, manufacturers, and service providers, was acquired by Global Merchant Fund Corporation. In 2018, Paragon Financial Group was acquired by Global Merchant Fund Corporation. Paragon Financial Group specialized in accounts receivable financing, credit protection, non-recourse invoice factoring, purchase order financing, and vendor guarantees. In 2019, Global Merchant Fund Corporation acquired Accutrac Capital, a company active in freight factoring, a sub-sector of transportation market. In 2020, the company renamed itself as eCapital. In the same year, eCapital acquired Advantedge Commercial Finance, a UK-based specialty lender and factoring company; Bibby Financial Services; REV Financial Group, a factoring company based in Los Angeles; and Prosperity Funding, a Fort Lauderdale-based factoring company. In November 2021, eCapital acquired Flexible Funding, payroll funding firm specializing in funding assistance for the staffing industry, and its subsidiary, InstaPay, that provides freight factoring services. In 2022, eCapital acquired UMB Bank's accounts receivable financing division and a company called CNH Finance that was active in the healthcare sector. In 2023 Former CEO Jennifer Palmer filed a Gender Discrimination lawsuit against eCapital in a Southern District of New York court. Fees and Expenses 
eCapital charges a $750 minimum termination and UCC release fee for any contact, as well as an hourly rate of $250 and other expenses for the work of the termination. Early Terminations include the previous costs, plus up to 10% of the available client credit, plus other expenses. $25 Fuel Advance fee, Initial account fees which are a percentage or the credit, Minimum Value invoice fees, 15% mission notation fee on invoices, $200 late email/submission fax fees

Trucking Industry Reviews 
The Truckers report website performed a review consolidation of its members about eCapital. The result of the review was that the overall impression of eCapital was "Very Negative" The main concerns and highlights listed were as follow:

 Difficulties in contract termination and leaving the company: The main complaints are exorbitant termination fees and very poor to almost nonexistent client service responses. Refusing to return escrow/reserve money back to clients. Not releasing UCC in a timely manner. Multiple paged legal contracts that are only web based, and change without any notice. Aggressive and Dishonest Sales. Nonexistent customer service. Poor Communication. Exorbitant termination fees. Problems with releasing funds and getting paid. Unauthorized Factoring

There were no positive highlights in the review

Gender Discrimination 
Jennifer Palmer, former CEO of eCapital, filed a lawsuit in a Southern District of New York court

Stated in the Lawsuit by Palmer:  Palmer was demoted to co-CEO due to retaliation for filing a gender discrimination complaint with CEO Marius Silvasan, and then later terminated because of the complaints she made, and replaced by someone who was less qualified (and male). Products and services
 Invoice and factoring, collateral lending and Equipment financing, Lines of credit. References

Financial services companies based in Florida