We have been in the accounts receivable factoring business since 1979, are independently held, and have a formidable 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 support you through any tough times you might run into. We won't disappear when the times get tough, like a handful of accounts receivable factoring companies sadly have before.

All factoring companies have benchmarks for size, industry, and risk. It's pretty hard for you to pick which accounts receivable factoring company is the ideal fit for you. By reaching out to us, we can save you a tremendous amount of time by helping you locate the right fit for your company - it could be us or another accounts receivable factoring company.

We have an enormous A-list of accounts receivable factoring industry counterparts, these close relationships were built over 20+ years in the business. So, when you take some time to explain what you need to us, you'll quickly learn that we can help you find precisely what you need.

Nearly all accounts receivable factoring companies let you select and choose your customers to factor. However a few of them generally have a minimum amount prior to working 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 lot like carrying a credit card in your pocket. You have it to use when you want it but don’t sign an agreement that will force you into accounts receivable factoring when you don't want it.

Nearly all accounts receivable factoring companies will not be upfront about their fees. You need to be a detective to find those hidden fees. 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 proposal with the fee for your business. Good luck 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. Factoring industry averages for advance rates range from 70-90% of the face value of the invoice. So, for example, if your customer owes you $1,000, you will receive an advance payment of $700 to $900 to your account. Our typical advance rates are higher than average - at 85-97% depending on industry and your customer payment track record.

Some receivables factoring companies are financed by Wall Street money. We are a privately held company and don't answer to investors and boards. Same as you, we are like-minded business people and we have experienced many of the road bumps that a business encounters. We listen to your story, determine concerns. Based on that information we will put together a custom-made solution for you. Nearly all receivables factoring companies particularly the Silicon Valley Fintech ones mainly bet on an algorithm to establish your company's funding program. Do you want to depend on an algorithm as a cash flow partner to fund your business?

Nearly all accounts receivable factoring companies 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 get your own dedicated account administrator to be your point of contact – who understands your business inside out, and can support you in ways the others just can't or don't want to be troubled.

Don't forget the fact that the accounts receivable factoring company will be touching base with your customers on your behalf. Our level of service, stability and longevity, and the caliber of our employees is matchless. We have been in business since 1979 and have veteran staff who who have experienced it all. Choose us not only for your sake but for the sake 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 create a credit risk tolerance guideline to limit your customer write-offs. In addition, we follow each invoice and follow them as 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 necessary until payment is made.

Our business credit monitoring systems allow us to see early negative trends so that we can protect you from risky 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 issues in order to correct them without delay.

You get 24/7 direct online access to your customer’s business credit reports, or you can call and speak with your account administrator – your choice. Be on the lookout for negative payment trends. This is crucial to prevent avoidable write-offs.

We make sure to use 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 leads to much lower rates for you. Nearly all other companies are not even in the same neighborhood.