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 go through. Our lights won't go out when the times get tough, as some factoring companies sadly have before.

Each factoring company has a preference 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 most suitable fit for your company - it might be us or another factoring company.

We have a large network of factoring industry counterparts, these mutual relationships were built over 20+ years in the business. So, when you take some time to tell us about your needs, you'll quickly see that we can help you 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. We let you select and choose which customers you want to factor on an invoice by invoice basis with no minimum.

Our factoring agreement is much the same as 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 will not be upfront about their fees. You'll need to rent a metal detector to uncover those fees. Be rest assured, We are different.  We are unconditionally upfront about our fees. When you apply, you are given a crystal-clear, no obligation rate proposal with the fee for your business. Good luck 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. 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 general advance rates are higher than average - at 85-97% depending on industry and your customer payment track record.

Some factoring businesses 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 jumped many of the hurdles that a business deals with. 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 factoring businesses particularly the Silicon Valley Fintech ones mostly count 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 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 are provided with a 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 bothered.

Don't ignore 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 just like 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 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 work on 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 alert to negative payment trends. This is crucial to avoid preventable write-offs.

We make sure to adopt the latest technology to smoothly run 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.