We have been in the factoring business since 1979, are independently owned, and have a formidable track record of being FINANCIALLY SOLID AS A ROCK. We have survived many of the economy's downturns and in doing so, can help you through any tough times you might encounter. We won't disappear when the times get tough, as a few factoring companies sadly have before.

Each factoring company has criteria for size, industry, and risk. It's not practical for you to determine which 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 factoring company.

We have an enviable network of 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, we have all the confidence in the world that you will find precisely what you need..

Nearly all factoring companies let you select and choose your customers to factor. But a few of them generally have a minimum amount prior to working with you. With us you have the freedom to pick and choose what to factor on an invoice by invoice basis with no minimum.

Our 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 which will make you use factoring when you don't want it.

Nearly all factoring companies are not upfront about their fees. You will need to be a contortionist to unravel those fees. You can be sure, We are different.  We are flat out transparent about our fees. When you apply, you are given a truthful, 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. For instance, if your customer owes you $1,000, you will get an advance payment of $700 to $900 to your account. Our standard 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 Sreet venture capitalists. We are a privately held company and don't take commands from 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, go over your 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 first and foremost look for the 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 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 won't.

Don't overlook the fact that the 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 track each invoice and follow them much 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 see early negative trends so that we can protect you from risky transactions. You have immediate 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 immediate direct online access to your customer’s business credit reports, or you can call and speak with your account administrator – your choice. Stay ahead of negative payment trends. This is crucial to prevent unnecessary write-offs.

We make sure to incorporate the latest technology to accelerate 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. Nearly all other companies are not even in the ballpark.