We have been in the accounts receivable factoring business since 1979, are independently owned, and have a powerful track record of being FINANCIALLY SOLID AS A ROCK. We have survived many of the economy's roller coaster rides and in doing so, can lend a helping hand to get you through any challenging circumstances you might run into. We won't disappear when the times get challenging, like a handful of accounts receivable factoring companies sadly have in the past.

Each factoring company has a preference for size, industry, and risk. It's just about impossible for you to determine which accounts receivable factoring business is the best fit for you. By contacting us, we'll answer any burning questions you may have and help you find the best match for your company - it could be us or another accounts receivable factoring company.

We have a huge network of accounts receivable factoring industry colleagues, these trusted connections were built over 20+ years in the business. So, after you take the time to run through your needs to us, we have no doubt that you will find just what you need..

Almost all accounts receivable factoring firms let you pick and choose your customers to factor. Although a few of them generally require a minimum amount before they'll work with you. With us you can pick and choose what to factor on an invoice by invoice basis with no minimum.

Our accounts receivable factoring agreement is a bit like having a credit card in your pocket. You carry it to use when you need it but don’t sign an agreement which will make you use accounts receivable factoring when you don't need it.

Almost all accounts receivable factoring firms try not be upfront about their fees. It defies common sense why they do this. You can be sure, We are different.  We are flat out transparent about our fees. When you apply, you are given a straightforward, no obligation rate offer with the fee for your business. It is going to be tough finding another factoring company, if any, that will be flat out transparent with their fees before they try and get your business.

An "advance" rate is the percent of the invoice face value that you’ll receive upfront. Accounts Receivable Factoring industry averages for advance rates range from 70-90% of the face value of the invoice. For instance, if your customer owes you $1,000, you will receive an advance payment of $700 to $900 to your account. Our current advance rates are higher than average - at 85-97% depending on industry and your customer payment track record.

A few factoring companies are funded by Wall Sreet bankers. We are a privately held company and don't take marching orders from investors and boards. Like you, we are like-minded business people and we have experienced many of the hardships that a business encounters. We listen to your story, understand your concerns. Based on that information we will put together a custom-built solution for you. Almost all factoring companies especially the Silicon Valley Fintech ones almost completely rely on an algorithm to determine your company's funding program. Do you want to depend on an algorithm as a cash flow partner to fund your business?

Almost all accounts receivable factoring firms have either a lot of employee turnover, a complex voice mail system that you get lost in or operate call centers where you talk with a new representative every time you call in. We operate differently, you are provided with a dedicated account administrator to be your point of contact – who knows your business really well, and can assist you in ways the others just can't or won't.

Don't overlook the fact that the accounts receivable factoring business will be interacting with your customers on your behalf. Our level of service, stability and longevity, and the caliber of our employees is superior. We have been in business since 1979 and have veteran staff who who have witnessed it all. Choose us not only for your well-being but for the well-being of your relationship with your customer too. Not only will you benefit from our superb service and real-world know-how, but so will your customers.

Together, we establish a credit risk tolerance guideline to limit your customer write-offs. We also keep an eye on each invoice and follow them just like your own credit and collections department would. Once they hit the due date we place friendly reminder calls and/or emails on your behalf and keep notes as to when it is scheduled to be paid, and send copies if needed until payment is received.

Our business credit monitoring systems allow us to see recent negative trends so that we can protect you from dicey transactions. You have 24/7 access to online aging reports and your dedicated account administrator is kept in the loop and given advance notice of any collection concerns in order to nip them in the bud immediately.

You get 24/7 direct online access to your customer’s business credit reports, or you can call and speak with your account administrator – whatever works best for you. Stay alert to negative payment trends. This is essential to prevent avoidable write-offs.

Our company uses state-of-the-art technology to to expedite the funding process, such as electronic submission of invoices, online reports, online credit checking and other emerging methods to streamline the process and reduce overhead, which means much lower rates for you. Almost all other companies are not even in the ballpark.