TAFS, the Kansas trucking factor, was acquired by eCapital in 2024 and tafs.com now forwards to eCapital, which offers recourse and non-recourse freight factoring and a fuel program.
Services
Who it serves
Overview
TAFS was a trucking factoring company based in the Kansas City area. In 2024 it was acquired by eCapital, a commercial finance company headquartered in Miami, Florida. eCapital's own About page lists the TAFS acquisition in its 2024 timeline as having bolstered its transportation portfolio, and an industry company profile on PitchBook records the deal as closing on March 30, 2024.
The tafs.com website now forwards visitors to ecapital.com, so carriers looking for TAFS today will be dealing with eCapital's transportation group. This listing describes the factoring services eCapital currently offers to trucking companies and freight brokers.
Compare with other Factoring providers: Triumph, Porter Freight Funding and Riviera Finance, or see all Factoring.
Services
eCapital's freight factoring program offers both recourse and non-recourse agreements. Its freight factoring page says advances are usually around 80 to 90 percent in the industry and that eCapital can advance up to 100 percent, though another answer on the same page says up to 98 percent, so the actual figure needs to be confirmed in a quote. Funding is advertised as fast as one hour, with same-day funding and weekend access through the eCapital app.
The fuel program offers discounts at about 16,000 locations, with pre-approved fuel credit on a fuel card. It is available on its own without factoring. The transportation page lists an average discount of about 43 cents per gallon. Factoring clients get unlimited free credit checks on brokers and shippers, bulk invoice upload and driver logins for uploading paperwork.
For freight brokers, eCapital offers invoice factoring, carrier payment services with quick pay options, billing, collections and accounts payable support, plus asset-based lines of credit and confidential sales ledger financing.
Who it is for
eCapital's transportation pages are aimed at owner-operators, fleets and freight brokers. The freight factoring FAQ also names intermodal and container carriers, long-haul carriers, startups and growing companies. Because eCapital also offers larger asset-based credit facilities, it can be an option for carriers and brokers that expect to outgrow a simple factoring line.
Former TAFS clients and carriers who knew the TAFS brand should note that service, contracts and support now come from eCapital.
How working with them works
Prospects request a quote through the Let's Talk or Get Started forms, which eCapital says takes about five minutes. The site says a team member calls within 24 hours of contact and a decision usually follows within a couple of days once paperwork is received.
Once active, clients submit invoices through the mobile app or online portal and track payments around the clock. Fees are deducted from the advance and depend on the services used and invoice volume. eCapital says it does not require long-term contracts and lists no monthly payment obligations. It does not publish factoring rates, and it advertises additional factoring rate discounts for clients who bundle the fuel program.
Questions to ask before you sign
Ask whether you are being offered recourse or non-recourse, and get the non-recourse terms in writing. eCapital's own page notes that there is no universal definition of when a factor absorbs a loss, so ask exactly which events are covered and what the recourse period is.
Ask for your actual advance rate, since the site mentions both up to 98 and up to 100 percent, and whether any reserve is held.
Get a full fee schedule: the factoring rate, any charges for one-hour or weekend funding, wires, ACH, and fuel card fees.
Ask the contract term, renewal terms and how much notice is needed to leave. If you were a TAFS client, ask whether your old agreement still applies or has been replaced.
Ask whether there are monthly minimums and whether you must factor every invoice from a customer.
Ask how credit checks and credit limits work, how notice of assignment is sent to customers, and whether cash fuel advances are available at pickup in addition to the fuel card credit line.
Company background
eCapital says its financial roots date to 2006. Wikipedia describes the company as having been founded as Global Merchant Fund Corp. by Steve McDonald and rebranded as eCapital in 2020, with Marius Silvasan as CEO. eCapital's About page reports more than 800 employees, more than 44,000 clients financed and operations in the United States, Canada and the United Kingdom.
The company has grown through a long list of acquisitions. Its timeline includes Accutrac in 2019, which launched its transportation group, InstaPay Freight Factoring in 2021, and TAFS, LSQ and Optimum in 2024. eCapital's locations page marks Miami as its headquarters and lists an office in Kansas among its North American locations. PitchBook's profile of TAFS lists it as founded in 2007 and based in Lenexa, Kansas, before the acquisition.
Sources
Information compiled from public sources. Last verified November 2026. Confirm details directly with the company.
