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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

ECN Capital


About lender

ECN Capital Corp. was founded in 2016 and is headquartered in Toronto, Canada. It was created from the split of Element Financial. As a result, two legal entities were created: Element Fleet Management, which deals with vehicle pools, and ECN Capital, which deals with commercial financing.

ECN Capital has experience not only in Canada but also in the USA. The company works with significant project financing and lending, managing and advising on prime consumer loan portfolios in North America. The company operates in the secured consumer credit segments - Triad Financial Services and Source One - and consumer credit cards and related unsecured consumer loans - Kessler Group.

ECN Capital Corp offers secured consumer loan portfolios, including a manufactured home, marine, and mobile home loans, and consumer credit card portfolios focused on co-branded credit cards and related financial products. The company serves banks, credit unions, life insurance companies, and pension and mutual funds.

ECN Capital's managed and advised assets total $31 billion for over 100+ major U.S. financial partners.


The company's customers include more than 75 banks and credit unions. With more than 10,000 banks and credit unions in the U.S., the growth opportunities are promising.

ECN Capital works specifically with retail banks, looking for solutions to their loan portfolios to offset their deposit liabilities. This means driving earnings growth, achieving lending plans, creating a high-quality portfolio, and meeting shareholder objectives.

Pros and cons

Like every other company, ECN Capital has its advantages and disadvantages.


  • the company has a large turnover and a significant asset portfolio;

  • it has experience with essential credit projects;

  • it has qualified consultants for competent services used by the leading players in the financial market;

  • the company has successfully sold and bought some companies, and this has increased its value and confirmed that the management strategy is good;

  • the company enjoys its reputation in the market, and this brand is well known.


  • Smaller projects might not be beneficial for the company;

  • The terms of cooperation and suitability are not disclosed until negotiations for cooperation are initiated;

  • There is no FAQ section on the company's website;

  • It is unclear how to contact the company's subsidiaries: directly or through the parent company, to arrange cooperation;

  • Open sources do not provide information about consulting fees and terms.

Large projects need to be discussed individually, and the company could not provide clear information about the terms of cooperation. To weigh the pros and cons of working with the company, you should submit a query, ask around, and find out the details for your particular case. The company is reputable and reliable, and such cooperation means you put yourself on a severe shoulder to ensure a good credit portfolio and card products.


What is ECN Capital?

It is a Canadian company specializing in the origination, structuring, and managing of financial products. It also advises significant players in the financial markets and provides consulting services to the banks, credit unions, life insurance companies, pension funds, and investment funds. The company’s industry is diversified financial services. The number of employees is 460.

ECN Capital operates as: 

  • Service Finance

  • Triad Financial

  • Kessler Group

Who owns ECN Capital?

ECN Capital shares of type A are distributed among several legal entities:

  • North Peak Capital Management LLC - 15.3%

  • Fidelity Management & Research Co. LLC - 6.36%

  • Steven K. Hudson - 5.34%

  • Dimensional Fund Advisors LP - 2.72%

  • Invesco Advisers, Inc. - 2.67%

  • Manulife Investment Management Ltd. - 2.56%

  • The Vanguard Group, Inc. - 2.46%

  • Private Capital Management LLC - 2.40%

  • Mackenzie Financial Corp. - 1.79%

  • Scott William Shaw - 1.48%

How do you qualify for ECN Capital?

Eligibility criteria are unavailable on the company's website or public sources. Therefore, this information must be requested directly for the specific project.

How much can you borrow from ECN Capital?

The company operates with large portfolios and different areas of lending. Therefore, amounts that can be borrowed from subsidiaries must be requested directly from ECN Capital.

Is Instant ECM Capital a legitimate company?

ECM Capital is a reputable company with a real office and over 400 employees. It has the necessary licensing documents to carry out its activities. Moreover, its securities are traded on the stock exchange. Furthermore, the company's financial results are published in open sources, including the company's website.

How does ECM Capital work?

ECM Capital's working hours are not published on the company's website. Instead, the company works both offline and online to support its projects.

How do I contact ECM Capital?

You are welcome to contact the company using the online contact form for your inquiry. Please include your first name, last name, contact information, and the content of your request.

How trustworthy is ECM Capital?

ECM Capital is a reputable company with a long history in the market. Its securities are traded on the stock exchange. In addition, the company has a corporate website with a .com domain, corporate emails, and official financial reports available in open sources.

Does ECM Capital verify income?

ECM Capital is in the business of managing financial flows and portfolios, so the verification of income and other eligibility criteria is likely to be done by the affiliates that do the le will verify income and other eligibility criterianding. Accordingly, all requirements should be obtained directly from the Company or its affiliates.

Company documents

Privacy Policy
Accessibility policy

ECN provides origination, management and advisory solutions for 75+ banks and credit unions. With more than 10,000 banks and credit unions in the US, the growth opportunity is extraordinary.

© ECM Capital

What to pay attention to when applying for a loan from ECN Capital

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes ECN Capital from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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