Innovative, flexible and affordable:
           factoring programs designed to
                       help you make more money.


Is Factoring
For You?

Why Factoring
Is Necessary

How Factoring Works

Why Our
Choose Us



“You have always provided service above and beyond any other com-pany I have dealt with. Our account manager gives us 100% and is only one of the reasons we have chosen to stay with you.”
    – Justin, V.P., Security Services Company

(UP TO 97%)

We offer the highest advances in the factoring company industry. How? Because we use our own money. The others are restricted by their banks.


Other factoring companies require you to sign a restrictive contract that ranges from six months to one year or longer. And they require you factor with them during that entire time.


We are the factoring industry leader, having the lowest factoring company rates in the industry. How? Because we use our own money. The others are restricted by their banks.

        Call our Veteran
        Factoring Team at:


Email Us

or complete our:
Online Invoice
      Request Form

We are a nationwide company offering invoice factoring programs the others can’t because of our unique funding capabilities. The others are restricted by their banks on what kind of factoring programs they can offer. We are not restricted!

Our customers tell us that our combination of low rates, flexible contracts and exceptional service makes us the best choice for invoice factoring services.

We have been providing invoice factoring services nationwide for decades and have clients in hundreds of industries, including factoring for Health Care Staffing, Transportation, Trucking, Manufacturing, Labor Staffing, and much more.

Unlike other invoice factoring companies, our program includes the following features at no additional charge:
• 12-24 hour funding on approved invoices
• Highest advance rates in the industry
• Credit analysis on new and existing customers
• Continuous collection management and follow up on     factored invoices
• Invoice and statement mailing (postage included)
• Account status inquiries anytime; 24/7 online account    access.
• We allow you to electronically submit Invoices
• Free credit checking on new customers at no additional    cost

When you become our client you will be served by our staff that has an average of 11 years account receivable factoring industry experience per account executive (well above the invoice factoring industry norm)!

You will have one dedicated person and his or her assistant who will handle your account. Unlike the others, you don't have to start over each time you call with a new person.

Our flexibility allows you to maintain control:
• You select accounts you prefer to factor on an invoice-     by-invoice basis.
• You control total factoring costs by only factoring on     an “as needed” basis.

Up to 97% Invoice Factoring Advance Rates:

Advance rates are based on overall risk associated with a particular industry as well as experience and track record. We hold reserve accounts to accommodate industries which typically experience dilution and that we would otherwise not be able to service. Advance rates range from 80% to 97% of the gross invoice amount.

Invoice Factoring Fee Structures:

Fees are determined based on your industry, the credit worthiness of your customers, how quickly your invoices turn, and monthly factoring volume.

- Call our invoice factoring specialists at
1-888-239-9162, or;
Email Us, or;
- Complete our

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"In all my years of finance experience I have  found you as being the best source, your personal touch and commitment to us has made  our  relationship a great blend of business and  friendship."
  -Omar, Controller for    Utilities Company



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We are currently providing invoice factoring services rnationwide including the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho State, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

Invoice Factoring Article

Historically, the bulk of invoice factoring was predominately in the textile, furniture and apparel industries.
  Today, factoring firms are working with all types of industries, including: manufacturers, service providers, transportation companies and high technology firms.  Locally, as growing Puget Sound firms continue to prosper, suppliers and contractors are looking for additional sources of working capital to accommodate increased sales volume. 

The overall increase in factoring volume is mainly attributed to the credit crunch in the late 80s.  As the availability of bank commercial credit tightens, more businesses look towards alternative sources of financing to achieve growth. 

Factoring companies can help those firms that banks often find difficult to approve such as start-up companies whose growth outstrips cash.  The primary focus in an accounts receivable factoring relationship is the credit-worthiness of the customers being invoiced and the client’s ability to produce a quality product or service.   Simply put, if the business has an acceptable product or service that it provides to a creditworthy customer then the business is a candidate for factoring.

The fact is that most companies share a common dilemma during periods of rapid growth of incoming orders draining cash flow.  Receivable Factoring not only provides immediate cash but, efficient businesses also use it as a tool to increase profit margins:

1.    Take Advantage of Early Payment  Discounts - Having access to cash enables businesses to save on average 2% by taking advantage of early payment terms offered by suppliers.  The points saved by reducing raw materials costs helps to offset the factoring fee. 

2.    Take Advantage of Volume Discounts - Having cash also enables businesses to buy raw materials in greater volume.  This saves money and directly impacts the bottom line.

3.    Reduce Late Payment Penalties and Interest Charges - Having immediate cash on hand to pay current obligations as they become due eliminates late charges from suppliers and other creditors. 

4.    Meet Obligations on Time - Paying vendors on time helps to establish a solid credit track record and allows for increased future credit limits from vendors as well as financial institutions.

5.    Offer Credit Terms to Customers - Offering credit terms to customers is a common way to increase sales by making it “easier” for customers to buy.  Having financial backing to carry accounts receivable is essential if a business wants to be able to follow through on its commitments.  Reputable factoring companies encourage “managed” growth by consulting with clients regarding exposures and other risks when taking on new credit accounts.

The difference between invoice factoring and other sources of financing is that the factoring company actually purchases and tracks commercial invoices.  In addition to providing immediate cash on invoices, the factor performs valuable credit analysis on new and existing customers and conducts professional, routine follow up on invoices as they become due.  

For the business manager who spends a good portion of the day collecting, bookkeeping and searching for capital, the entire factoring package offers peace of mind.  The manager can actually focus on important aspects of the business that are often pushed aside, such as marketing and production.

Depending on the agreement, businesses can pick and choose which invoices they wish to sell to the factor, who immediately advances eighty percent or more of the face value of the invoices.  The balance of the funds, less the discount fee, is released once the invoice is collected.  

The cost of doing business with a factoring company is the discount taken on the invoices submitted for funding.  Fees range from 1 to 5 percent, depending on volume, credit-worthiness of the customers sold and overall risk.  The discount taken is best compared to a merchant accepting a Visa or MasterCard transaction and receiving immediate payment, less a percentage or discount, before the actual cardholder has paid his or her monthly statement. 

Setting up a receivable factoring relationship is quick and easy in comparison to other forms of financing.  Applications simply call for basic company information and a customer list.  Years of profitability are not required which makes account receivable factoring an option for startups generating receivables.  It is possible that funding can occur in as little as a couple of days after the receipt of the application and invoices.

Each factoring company operates slightly different.  It is important to understand which programs  provide the greatest benefits and at the least cost. Several criteria should be addressed  when searching for a reputable factor.   Are there setup fees, maintenance fees or penalty fees? Is there a long term contract? Are there monthly minimums? Does the invoice factoring company provide credit and collection services at no additional charge? What accounting reports will the factor supply?  What value-added services does it provide? 

Most business bankers are a good referral source for reputable factoring companies.  Bankers refer to business factoring companies because they realize that although the customer may not be bankable at the time of the referral, in a short time it could be a viable candidate for conventional account receivable financing. As a short term accounts receivable financing solution, factoring relationships generally run from 6 months to a couple of years.   

Businesses choosing to maintain momentum, despite a lack of conventional accounts receivable financing options, find that factoring not only offers cash but also a stable foundation on which to build. They look to a future of managed growth and profitable performance that will bridge the gap to qualifying for bank receivable financing.