Eclipse Business Capital

Eclipse Business Capital (EBC), headquartered in Chicago, IL, is an independent asset-based lending platform focused on middle-market companies across the United States and Canada. Originally founded in 2016 as Encina Business Credit, the firm rebranded following a recapitalization and expanded capital base. EBC offers revolving lines of credit and term loans ranging from $10 million to $250 million, secured by accounts receivable, inventory, equipment, real estate, and intellectual property. Industries served include manufacturing, oil and gas, retail, distribution, business services, and consumer products. Beyond standard working capital solutions, EBC appears to have experience with more complex situations such as acquisition financing and bankruptcy exit financing — areas where many conventional lenders step back. A minimum monthly revenue of $1 million applies; credit score is not listed as a qualifying factor, consistent with asset-based lending's collateral-first underwriting approach. Website testimonials highlight responsiveness and a willingness to understand individual business circumstances, though the sample is limited.