TAFS (eCapital) factoring review (2026)
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Quick answer
TAFS is now part of eCapital, and tafs.com redirects to eCapital’s freight factoring page. eCapital offers funding in as little as 1 hour, 24/7/365 money movement, recourse or non-recourse, and no long-term contract. Pricing is quote-only, and its own page lists its advance rate two different ways, so confirm it in writing.
Key takeaways
- tafs.com now redirects to eCapital. Existing TAFS clients are eCapital clients.
- eCapital advertises funding in as little as 1 hour and money movement 24/7/365.
- Recourse and non-recourse options, unlimited free credit checks and no long-term contract required.
- The page says “up to 100%” advance in one spot and “up to 98%” in another. Ask which applies to you.
eCapital (TAFS) at a glance
| Item | What they say | Source |
|---|---|---|
| Fee | Quote only | source |
| Advance | “Up to 100%” and “up to 98%” both appear | source |
| Funding speed | As little as 1 hour; 24/7/365 money movement | source |
| Recourse | Recourse or non-recourse | source |
| Contract | No long-term contract required | source |
| Credit checks | Unlimited and free | source |
| Fuel program | $2,500 pre-approved credit; available without factoring | source |
| Approval | Decision in a couple of days | source |
What stands out
- Large company: eCapital says it serves 30,000+ businesses.
- Fast funding, including outside business hours.
- Fuel program available even if you don’t factor.
What to watch
- No published rate.
- Inconsistent advance figures on its own page (100% vs 98%); its fuel details also differ between sections.
- Approval takes a couple of days, slower than app-first factors.
Frequently asked questions
Is TAFS still in business?
TAFS is now part of eCapital. Visiting tafs.com redirects you to eCapital’s freight factoring page.
How fast does eCapital pay?
eCapital advertises funding in as little as 1 hour, with money movement 24/7/365.
Does eCapital require a long-term contract?
Its freight factoring page says no long-term contracts are required.
What advance rate does eCapital offer?
Its page lists both “up to 100%” and “up to 98%.” Ask for your exact advance rate and fee in the written offer.