We have been in the factoring business since 1979, are independently held, and have a proven 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 bad circumstances you might suffer. We won't collapse when the times get bad, like a handful of factoring companies regretfully have before.

All factoring companies have a preference for size, industry, and risk. It's just about impossible for you to know which factoring firm is a second to none fit for you. By reaching out to us, we'll get to know your situation very quickly and help you locate the right match for your business - whether it's with us or another factoring company.

We have a huge network of factoring industry counterparts, these cooperative connections were built over 20+ years in the business. So, when you take the time to lay out your needs to us, you'll quickly learn that we can help you find precisely what you need.

Most factoring businesses let you select and choose your customers that you want to factor. Although a few of them usually have a minimum amount prior to doing business with you. With us you can pick and choose what to factor on an invoice by invoice basis with no minimum.

Our factoring agreement is a bit like having a credit card in your pocket. You have it to use when you need it but don’t sign an agreement that will force you into factoring when you don't need it.

Most factoring businesses try not be upfront about their fees. You will need to be a contortionist to unravel those fees. We will not treat you this way.  We are unconditionally upfront about our fees. When you apply, you are presented with a transparent, no obligation rate bid with the fee for your company. It is going to be tough finding another factoring company, if any, that will be unconditionally upfront 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. Invoice 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 should expect to receive an advance payment of $700 to $900 to your account. Our usual advance rates are higher than average - at 85-97% depending on industry and your customer payment track record.

A few accounts receivable factoring companies are financed by Wall Street money. We are an independently owned company and don't answer to investors and boards. Like you, we are like-minded business people and we can truly appreciate what it takes to run a business. We take the time to hear your story, understand your struggles. Based on that information we will put together a personalized solution for you. Most accounts receivable factoring companies especially the Silicon Valley Fintech ones almost completely put their faith on an algorithm to determine your company's funding program. Do you want to count on an algorithm as a cash flow partner to fund your business?

Most factoring businesses 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. With us, you are set up with a dedicated account administrator to be your point of contact – who really knows your business inside out, and can assist you in ways the others just can't or don't want to be disturbed.

Don't ignore the fact that the factoring firm will be interacting 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 witnessed 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 extraordinary service and real-world know-how, but so will your customers.

Together,we put in place a credit risk tolerance guideline to limit your customer write-offs. We also keep an eye on each invoice and follow them the same 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 needed until payment is made.

Our business credit monitoring systems allow us to spot developing negative trends so that we can protect you from risky transactions. You have instant access to online aging reports and your dedicated account administrator is always in the loop and given advance notice of any collection problems so to nip them in the bud immediately.

You get instant direct online access to your customer’s business credit reports, or you can call and speak with your account administrator – you choose. Be on guard for negative payment trends. This is essential to run your business profitably.

We make sure to incorporate the latest 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 better rates for you. Most other companies don’t even come close.