We have been in the factoring business since 1979, are independently held, and have a powerful track record of being FINANCIALLY SOLID AS A ROCK. We have survived many of the economy's ups and downs and in doing so, can help you get through any bad circumstances you might encounter. Our lights won't go out when the times get bad, as a few factoring companies regretfully have before.

Every factoring company has criteria for size, industry, and risk. It's pretty tough for you to pick which factoring business will work best for you. By reaching out to us, we can cut out a tremendous amount of time by helping you locate the right fit for your business - it might be us or another factoring company.

We have an enviable network of factoring industry counterparts, these cooperative connections were built over 20+ years in the business. So, after you take some time to explain what you need to us, we have no doubt that you will find precisely what you need..

Most factoring firms let you select and choose your customers to factor. However a handful of them generally have a minimum dollar amount in order to do business 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 like carrying 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 firms fees are contorted. You better take out your magnifying glass to read the fine print. You can be rest assured, We will not treat you this way.  We are totally upfront about our fees. When you apply, you are given a crystal-clear, 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 totally 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. For example, if your customer owes you $1,000, you should expect to receive an advance payment of $700 to $900 to your account. Our general advance rates are higher than average - at 85-97% depending on industry and your customer payment track record.

Some 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 who understand what it takes to run a business. We listen to your story, determine struggles. Based on that information we will put together a customized solution for you. Most accounts receivable factoring companies especially the Silicon Valley ones generally gamble on an algorithm to establish your company's funding program. Who do you want to rely on as a cash flow partner to fund your business?

Most 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 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 don't want to be disturbed.

Don't forget the fact that the 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 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 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 watch each invoice and follow them much the same as 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 needed 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 quick 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 correct them without delay.

You get quick 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. Keep your eye on negative payment trends. This is essential to run your business smoothly.

We make sure to adopt first-rate 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 better rates for you. Most other companies are not even in the same neighborhood.