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 challenging times you might run into. We won't turn the lights off when the times get challenging, like a handful of factoring companies regretfully have in the past.

All factoring companies have criteria for size, industry, and risk. It's not practical for you to determine which factoring company is the best fit for you. By contacting us, we can cut out a tremendous amount of time by helping you find the best fit for your business - it could be us or another factoring company.

We have a vast A-List of factoring industry colleagues, these cooperative connections were built over 20+ years in the business. So, when you take the time to explain what you need to us, we have no doubt that you will find exactly what you need..

Practically all factoring companies let you pick and choose your customers to factor. But a handful of them generally require a minimum dollar amount prior to doing business with you. With us you can pick and choose what to factor on an invoice by invoice basis with no minimum.

Our factoring agreement is pretty much like having a credit card in your pocket. You carry 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.

Practically all factoring companies try not be upfront about their fees. You need to be Sherlock Homes to uncover those fees. You can be rest assured, We will not treat you this way.  We are totally transparent about our fees. When you apply, you are given a straightforward, no obligation rate proposal with the fee for your company. Good luck finding another factoring company, if any, that will be totally 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 get 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 normal advance rates are higher than average - at 85-97% depending on industry and your customer payment track record.

A few invoice factoring firms are funded by Wall Sreet venture capitalists. We are an independently owned 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 deals with. We listen to your story, go over your struggles. Based on that information we will put together a tailored solution for you. Practically all invoice factoring firms particularly the Silicon Valley ones usually gamble on an algorithm to determine your company's funding program. Do you want to count on an algorithm as a cash flow partner to fund your business?

Practically 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 set up 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 troubled.

Don't forget 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 unmatched. We have been in business since 1979 and have veteran staff who who have experienced it all. Choose us not only for your well-being but for the well-being 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 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 received.

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 always in the loop and given advance notice of any collection issues in order to correct them right away.

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. Keep your eye on negative payment trends. This is crucial to run your business smoothly.

We employ the latest 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 means much better rates for you. Practically all other companies are not even in the ballpark.