Bobtail vs eCapital

Bobtail

Homepage says 'same-day payments' and 'same-day or next-day cash for your loads,' with 'no hidden fees.' On 2026-11-08 the FAQ said invoices submitted before 11 AM EST Monday through Friday are funded the same day by 6 PM EST, and expedited payments cost extra.

On 2026-11-07 a comparison table labeled Bobtail 'No Long-Term Commitment for the First 90 Days.' On 2026-11-08 the contract guide said Bobtail offers a 90-day trial period, and after the trial you move into a long-term contract. The FAQ says the same shape. The length after the trial was not stated. The Nov 7 table is not a promise that there is no later contract.

On 2026-11-08 the contract guide said the factoring fee ranges between 1.99% and 3.24% based on company size. The FAQ the same day said a small factoring fee, usually 1.5%–3.5%, per invoice. The pages disagree, so neither figure is the maximum on this report.

eCapital

Freight factoring page says 'at eCapital we provide up to 100%' of the invoice value, 'typically within 24 to 48 hours.'

Freight factoring page says 'no hidden fees.' The cost answer says costs depend on the services used and the invoices collected, and to contact them for a quote.

Freight factoring page says 'you are not required to sign long term contracts.'

On 2026-11-07, https://www.tafs.com/ and https://tafs.com/ both opened https://ecapital.com/. That homepage did not contain the word TAFS and did not state an advance, a fee, or a contract length for TAFS.