Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 9 companies across 1 category.
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Founded 2006 as Global Merchant Fund Corp. buying distressed loans from the FDIC. Pivoted starting 2017 into an aggressive M&A rollup of specialty commercial finance — asset-based lending, factoring, freight factoring, payroll funding, healthcare AR, supply chain finance — across the US, Canada, and UK. Rebranded to eCapital in 2020 with Ares Management backing. Since 2023 has been repositioning as a technology-forward embedded lending platform, layering AI/ML on its underwriting stack and offering financing-as-a-service via APIs to freight, marketplace, and B2B platforms.
Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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alt="Ranked #19 of 259 in Lending — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/ecapital/install" width="1" height="1" alt="" style="display:none">9 companies disclose Ecapital in their stack in the Embedded Finance Index 2026, including GB Resources, Lendflow, Kontrol Ltd, AMS Inc., DrChrono, Rochester Iron and Metal, UZURV, Tower Hire and Sales and Ramaco Resources.
Ecapital is an embedded-finance provider in Lending. It ranks #19 of 259 Lending providers by disclosed buyers.
The most-disclosed Lending alternatives to Ecapital are Affirm (65 buyers), Klarna (55 buyers), YouLend (45 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).
Ecapital was founded by Steve McDonald and is founded in 2006, headquartered in Miami, Florida, USA.
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