RTS Financial vs eCapital (2026)
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Quick answer
Key takeaways
- TAFS clients are now eCapital clients.
- Speed: eCapital says as little as 1 hour; RTS says within 24 hours.
- Recourse: eCapital offers both; RTS describes non-recourse.
- Fuel: RTS publishes a 45¢/gal average; eCapital lists $2,500 pre-approved fuel credit.
Side by side
| Factor | RTS Financial | eCapital |
|---|---|---|
| Fee | Ask (calculator gives an estimate) source | Ask for a quote |
| Contract | Ask for a quote | Ask for a quote |
| Recourse | Non-recourse source | Recourse or non-recourse source |
| Funding speed | 90%+ advance within 24 hours source | As little as 1 hour; 24/7 source |
| How to get a quote | Online calculator + application source | Online form source |
RTS Financial: best for factoring + fuel + load board bundle
RTS (Shamrock Trading) advances more than 90% of an invoice within 24 hours and sends the rest, minus a fee, when the customer pays. It describes non-recourse factoring. Its rate calculator is an estimate, not an offer.
Watch for: Its calculator gives an estimate only; get the contract term in writing.
eCapital: best for factoring + fuel bundle
eCapital (tafs.com now redirects here) advertises funding in as little as 1 hour, 24/7 money movement, and recourse or non-recourse options. Its fuel program comes with $2,500 in pre-approved credit.
Watch for: Bundle pricing is quote-only.
See all 12 on best factoring companies, or test your quotes in the fee calculator.
Frequently asked questions
Is TAFS the same as eCapital?
Yes. tafs.com now redirects to eCapital’s freight factoring page.
Which pays faster, RTS or eCapital?
eCapital advertises funding in as little as 1 hour. RTS says it advances 90%+ within 24 hours.
Does either require a long-term contract?
eCapital says no long-term contract is required. RTS doesn’t publish its contract term, so ask for it in writing.