We have been in the invoice factoring business since 1979, are privately held, and have a powerful track record of being FINANCIALLY SOLID AS A ROCK. We have survived many of the economy's downturns and in doing so, can support you through any hard circumstances you might run into. We won't collapse when the times get hard, like a handful of invoice factoring companies regretfully have before.

All factoring companies have benchmarks for size, industry, and risk. It's not practical for you to choose which invoice factoring business 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 match for your business - it could be us or another invoice factoring company.

We have a huge A-List of invoice factoring industry counterparts, these close relationships were earned over 20+ years in the business. So, when you take the time to lay out your needs to us, we have all the confidence in the world that you will find just what you need..

Many invoice factoring firms let you select and choose your customers to factor. Except a handful of them generally have a minimum dollar amount in order to work with you. With us you can pick and choose what to factor on an invoice by invoice basis with no minimum.

Our invoice factoring agreement is pretty much like carrying a credit card in your pocket. You have it to use when you need it but don’t sign an agreement which will force you into invoice factoring when you don't need it.

Many invoice factoring firms are deliberately confusing. You will need to be a contortionist to unravel those fees. We will not treat you this way.  We are absolutely upfront about our fees. When you apply, you are given a straightforward, no obligation rate offer with the fee for your company. It is going to be tough finding another factoring company, if any, that will be absolutely 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 get upfront. Accounts Receivable 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 get 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.

Some accounts receivable factoring businesses are financed by Wall Sreet investors. We are an independently owned company and don't take orders from investors and boards. Like you, we are like-minded business people who know what it takes to run a business. We listen to your story, learn your struggles. Based on that information we will put together a tailor-made solution for you. Many accounts receivable factoring businesses especially the Silicon Valley ones almost exclusively lay their money on an algorithm to establish your company's funding program. Do you want to rely on an algorithm as a cash flow partner to fund your business?

Many invoice 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're different, you are set up 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 invoice 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 second to none. 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 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 track each invoice and follow them just like your own credit and collections department would. Once they hit the payment 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 recent negative trends so that we can protect you from dicey 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 concerns in order to work on them right away.

You get instant 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. Be on guard for negative payment trends. This is essential to prevent unnecessary write-offs.

We make sure to incorporate advanced 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 lower rates for you. Many other companies don’t even come close.