I called 3/22/2022 to requested my account to be closed and have my reserve funds disbursed after not having any load activity for 11 months. I was told my representative would follow up. On 04/10/2022 I received an email to let me know that they would only accept request to release the funds on my account on the date range of December 9 through January 7. How ridiculous is that! I have to wait 8 months to release funds that belong to me. This is the only company that I have ever had a relationship with a company that doesn’t refund your money as soon as the account is closed. They have no regard for small businesses that are just trying to survive and make ends meet. I would not recommend anyone or company use their services. Noone should be forced to only have a 30 day window to be refunded out of 365 days. Unfair, unrealistic and just down right disrespectful practices. I hope this review saves others from the financial hardships of doing business the wrong factoring company. eCapital is a heartless greedy monster.