Small Business Factoring 

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Directory of small business factoring companies. Research vendors offering online factoring, invoice factoring, and account receivable factoring services for small businesses.
Factoring for Small Businesses
Providers of small business factoring services through domestic, international, government and construction programs. Spanish services available.
www.jdfinancial.com
Factoring Receivables
24-Hour Factoring Approval. $25K minimum. No financials. No hidden fees. Easy application. Since 1985. Apply today.
Apply Today | Advantages
www.JustInTimeCash.com
Cash For Your Receivables
Bank says no? Get cash now to meet payroll or fuel growth. Ask for our Free ebook: Grow Your Company Without Debt.
www.cprofitny.com
Business Factoring
Get 96% Factoring Funding 24/7. No Fee/Obligation. Call 888.234.6663!
LosAngeles.Businessfactors.com
Financial Problems?
JG Wentworth Pays Cash Now for Your Structured Settlement Payments
www.JGWentworth.com
Accounts Factoring Today
Why wait? We will give you the cash Fast, easy, and local. Great rates
www.factordirectcapital.com
Credit to Start or Grow Your Small Business
Get up to $6,500 for computers, travel, office equipment and more!
BusinessAdvantageGold.com
Small Business Factoring
Get paid in 24 Hours Cash for Your Invoices from Facteon
www.facteon.com
J&D Financial Factoring
Financing For All Industries Immediate Funding - High Advances!
www.JDFinancial.com
Alternative to Factoring
Get your business out of debt without a factoring receivables.
www.DontDeclare.com
Small Business Factoring
Easily Compare Firms & Save. Find the Best Deal & Save Today!
Factoring.BuyerZone.com
We Fund When Others Won't
No Risk Freight Factoring Solution Tailored For You, Call 866-613-6224
www.Cash4Truckers.com
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A-Z Small Business Factoring Provider Directory
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21st Capital
Accounts receivable finance company specializing in factoring.
www.21stcapital.com
21st Financial Solutions
Provider of funding nationwide to small companies, specializing in factoring solutions.
www.21stfinancialsolutions.com
A
Access Capital
Provider of capital for startup and private firms, specializing in factoring of accounts receivable.
www.accesscapitalinc.com
Account Funding
Offers financing and factoring of accounts receivables.
www.accountfunding.com
Advantage Funding
Provides factoring, accounts receivable financing, small-business loans and working capital loans secured by accounts receivables.
www.advantagefunding.com
Alex Lawrie
Provides business cashflow solutions designed to help businesses grow.
www.alexlawrie.com
Allied Carriers Exchange
Provides the transportation industry immediate cash for their freight receivables while reducing their operating expenses.
www.alliedcarriers.com
AMCI Finance
Financial institution that has experience working with small businesses.
www.amci-finance.com
Accounts Receivable Funding
Provider of receivable funding for companies.
www.arfc.com
Armcor.com, Ltd.
Specializes in the collection of receivables due from the United States Government. Offers ARM services and invoice purchase factoring to federal contractors without a holdback.
www.armcor.com
B
1st Funding Group
Accounts receivable financing funding for business cash flow and financial needs.
www.bookcliff.com
BookCliff Funding Group
Full service factoring company based in Utah.
www.bookcliff.com
Small Business Factoring
A factoring company specializing in invoice factoring and commercial account receivable factoring. Fast turnaround time, low fees, flexible terms.
www.BridgeportCapital.com
BrooksGreenblatt
Firm works directly with small-business owners to fund growth opportunities and solve cash-flow problems.
www.brooksgreenblatt.com
Credit to Start or Grow Your Small Business
Get up to $6,500 for computers, travel, office equipment and more!
BusinessAdvantageGold.com
B-V Consulting
Provider of telephone survey service, a process by which the company calls an organization and evaluates the performance of the person contacted.
www.bvconsulting.com
C
Capital Factors
A Union Planters Bank company that specializes in factoring.
www.capfac.com
Carter Funding
Company Concentrates on businesses with revenues between $150,000 and $10 million.
www.carterfunding.com
Custom Data Services
Provider of accounts receivable management and funding to businesses.
www.cdsmoney.com
Cash For Your Receivables
Bank says no? Get cash now to meet payroll or fuel growth. Ask for our Free ebook: Grow Your Company Without Debt.
www.cprofitny.com
Capitol Resource Funding
Provider of factoring and accounts receivable management programs to growing businesses throughout the US.
www.crf.com
E
Empire Capital Group
Provider of financing for loans, factoring and leasing.
www.empire-capital.com
F
Factofrance Heller
France-based factoring company.
www.facto.fr
Factorit
Factoring company.
www.factorit.it
Factors Chain International
Umbrella organization for independent factoring companies around the world.
www.factors-chain.com
National Factoring Services
Provider of accounts receivable management, including accounts recievable financing, billing, credit reports and commercial collection services.
www.factors.net
International Factoring Association
Member-based association to promote education on factoring. The site also provides a search function, whereby firms seeking financing can enter their specific data and find providers of factoring services.
www.factorsearch.com
Fairbanx Factors
Provider of cash-flow solutions to small businesses and professionals, focusing on financial planners, service providers and manufacturers.
www.fairbanx.com
First Capital Services
Ccredit facility providing funds through asset-based financing.
www.firstcapital.com
Funding Systems International
Provider of accounts receivable financing.
www.fundingsystems.com
G
Gibraltar Financial
Factoring, accounts receivable financing, purchase order funding, equipment term loans, bookkeeping and data processing services.
www.gibraltarfinancial.com
H
Hildun
Provider of factoring and financial services to a variety of business owners including manufacturers, wholesalers, importers and service providers.
www.hilldun.com
I
Inland Factors
Accounts receivable factoring company serving all industries.
www.inlandfactors.com
J
Factoring for Small Businesses
Providers of small business factoring services through domestic, international, government and construction programs. Spanish services available.
www.jdfinancial.com
Factoring Receivables
24-Hour Factoring Approval. $25K minimum. No financials. No hidden fees. Easy application. Since 1985. Apply today.
www.JustInTimeCash.com
M
Mazon Associates
Accounts receivable funding.
www.mazon.com
Osage Medical Funding
Medical accounts receivable and equipment funding and credit lines.
www.medfund.com
Medical Capital Financing
Established to finance accounts receivable from medical providers.
www.medicalcapital.com
Merchant Credit Advance - Cash Advance for Small Businesses
Merchant Credit Advance provides your business with a cash advance of $5k to $150k against your future receivables. Sign up now!
www.merchantcreditadvance.com
O
Orange Commercial Credit
Accounts receivable factoring company serving all industries.
www.occfactor.com
P
Paragon Financial Group
Provider of commercial financing by factoring of accounts receivable.
www.paragonfinancial.net
PM Factors
Company purchases accounts receivable in the US.
www.pmfactors.com
Prairie Business Credit
An independent factoring firm.
www.prairiebiz.com
Primary Funding
Community-based factoring services in Southern California.
www.primaryfunding.com
Provident Financial
Factoring services for companies in a variety of industries in the US.
www.profininc.com
Q
Quantum Corporate Funding
Factoring firm specialized in the construction industry.
www.quantumfunding.com
R
Riviera Finance
Provider of accounts receivable management for small and medium-sized businesses.
www.rivierafinance.com
S
SunState Consulting
Provider of factoring and startup financing for businesses worldwide.
www.sunstateconsulting.com
T
Small Business Factoring
Financing for your outstanding invoices and accounts receivable. Get paid now - multiple quotes online within minutes from different lending services.
www.TheFactoringAlliance.com/FreeQuote
U
United California Discount
Specialist in providing factoring services to small companies. Services include working capital-credit information and accounts receivable management.
www.ucdc.com
United California Factors
Provide factoring services for small and medium-sized businesses.
www.ucfactors.com
V
Venture Factors
Provider of asset-based finance, factoring and invoice discounting.
www.venture-finance.co.uk
Vertex Financial
Provider of factoring and accounts receiving financing.
www.vertexfinancial.com
W
Westgate Financial
Provider of nonrecourse accounts receivable factoring and purchase order financing to small businesses.
www.westgatefinancial.com
Winston Financial Group
Provider of growth capital and cash-flow financing for small and medium-sized businesses.
www.winfin.com
  • KBK Capital Corporation
Business Factoring
Get 96% Factoring Funding 24/7. No Fee/Obligation. Call 888.234.6663!
LosAngeles.Businessfactors.com
Financial Problems?
JG Wentworth Pays Cash Now for Your Structured Settlement Payments
www.JGWentworth.com
Accounts Factoring Today
Why wait? We will give you the cash Fast, easy, and local. Great rates
www.factordirectcapital.com

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Guide author

Guide to Small Business Factoring Key Terms

Learn more about factoring by mastering some key terminology

By Rose Bricker


Small business factoring has grown rapidly in recent times, since factoring is not a loan but the process of selling of an asset: your accounts receivable, to be specific. Factoring companies buy your receivables and give you cash advances based on their advance rate. When the factoring company gets paid, they then give you the remainder of the cash, minus a fee. This improves your working capital and allows you to pay salaries, buy inventory or whatever else you may need to run your business.

Action Steps
The best contacts and resources to help you get it done


Factoring

Factoring means selling your accounts receivable to a factoring company. The factoring company gives you a percentage of the receivables up front, and the balance when your customer pays the invoice or receivable. Factoring is not a loan, and your customers' ability to pay is the basis of your approval.

I recommend: Crestmark Capital explains factoring in depth, and has a FAQ section on the benefits of factoring, as well as a section that explains the difference between factoring and a bank loan.

Accounts receivable

Accounts receivable is the asset you use to raise money through factoring. Large and medium businesses have used this method of raising money for ages but small businesses have only started using it recently.

I recommend: United Capital Funding explains how accounts receivable can be used to increase cash flow through factoring.

Factors advance, advance rate and installment

A factors advance, also known as an advance rate or installment, is the amount of money you receive from a factoring company before it collects on your invoices.

I recommend: The Invoice Factoring Group explains invoice factoring and factors advance in detail.

Reserves and holdbacks

A reserve, also called a holdback, is the amount money you receive from a factoring company after it collects money from your customer, minus its fee.

I recommend: Rexford Funding explains what a reserve is in much more detail. It also publishes the definitions of many other factoring terms on its site.

Factoring fee

Factoring companies describe factoring fees in terms of percentages, which can range from 1 to 3 percent of your accounts receivable.

I recommend: First Pacific Capital has in-depth information to help you understand how factoring fees work, with examples.

Working capital

Working capital is the amount of money you have on hand to pay your bills and employees. Sometimes your cash flow may be very little when compared to your accounts receivable. In order to get cash influx into your business, you sell your accounts receivable so you have more cash to work with.

I recommend: Planware explains the working capital cycle to help you better understand how your accounts receivable play into your working capital.

FEATURED LISTINGS
Factoring for Small Businesses
Providers of small business factoring services through domestic, international, government and construction programs. Spanish services available.
Factoring Receivables
24-Hour Factoring Approval. $25K minimum. No financials. No hidden fees. Easy application. Since 1985. Apply today.
Apply Today | Advantages
Cash For Your Receivables
Bank says no? Get cash now to meet payroll or fuel growth. Ask for our Free ebook: Grow Your Company Without Debt.
Credit to Start or Grow Your Small Business
Get up to $6,500 for computers, travel, office equipment and more!
close window

Guide to Small Business Factoring

Expanding a Small Business Without Loans

By Kimberly Ben

Small business factoring companies allow businesses to sell their unpaid invoices to another company. A factoring company pays a portion of the client's bill so that the small business doesn't have to wait around for payment. Waiting for clients to make timely payments can cause small businesses major problems, especially if money is tight.

Small business factoring companies can really help to strengthen a business financially by making sure that all invoices are paid on time to free up funds needed to take care of expenses and target new business opportunities. As an alternative to taking out loans or credit, factoring companies use the client's financial strength and stability to help new and small businesses that may not otherwise be eligible for credit. Factoring companies for small businesses are a great idea for:

1. Small businesses, home businesses, and sole proprietors.

2. Businesses with financially responsible clients.

3. Businesses looking to expand.

4. Businesses that want to avoid loans.

Action Steps
The best contacts and resources to help you get it done


Choose reputable factoring companies for small business

Ask different factoring companies about the size of their typical client. Find out if you are required to commit to a monthly minimum transaction.

I recommend: Visit Buyer Zone to get free quotes from multiple small business factoring providers, or go to Get Factored where the leading factoring companies are listed ready to compete for your business.

Check your client's credit

In order for a business factoring company to work for you, your clients must have relatively good credit. It's important for the factoring company that they are able to get paid for the original invoices.

I recommend: Before considering business factoring for your company, check with Experian and Dunn and Bradstreet to find out more about your client's credit rating and payment history.

Meet your increasing business demands

As your business grows, you don't need slow paying clients holding you back. Business factoring keeps your cash flow moving along so you can reach your business goals.

I recommend: Get started with online small business factoring services today by contacting a factoring company like 21st Capital and Invoice Factoring for your business needs.

Tips & Tactics

Helpful advice for making the most of this Guide

  • •  Establish a system of periodically monitoring communication between your clients and the small business factoring services you choose. Make sure that they are professional, friendly and courteous at all times.
  • •  Before signing a contract, negotiate the price of the factoring service to save money with a discounted rate or a reduction of fees.

FEATURED LISTINGS
Factoring for Small Businesses
Providers of small business factoring services through domestic, international, government and construction programs. Spanish services available.
Factoring Receivables
24-Hour Factoring Approval. $25K minimum. No financials. No hidden fees. Easy application. Since 1985. Apply today.
Apply Today | Advantages
Cash For Your Receivables
Bank says no? Get cash now to meet payroll or fuel growth. Ask for our Free ebook: Grow Your Company Without Debt.
Credit to Start or Grow Your Small Business
Get up to $6,500 for computers, travel, office equipment and more!
close window
Guide author

Guide to Small Business Factoring Education and Training

Get an education in small business factoring services to help your business grow

By Rose Bricker

Factoring companies are part of a growing industry, since companies can sell them their invoices to bring in cash without creating debt. Small business factoring companies not only buy up invoices, they also educate their customers.

Working with factoring software will help you learn factoring concepts and how factoring companies for small businesses can help them grow. Waiting for customers to pay their invoices makes it tough for small businesses to grow when their cash flow is minimal. If they need money to pay salaries and bills, a factoring company can make all that easier.

Consider the following when you need small business factoring education and training:

1. Expand your education by training to be a factoring broker.

2. Look for online factoring companies that provide training for you.

3. Find factoring software that explains small business finance factoring.


Action Steps
The best contacts and resources to help you get it done


Get the education you need to work in the factoring business

More companies are turning to factoring their account receivables, so getting a broker's license in factoring can advance your career.

I recommend: The Paper Source offers three different courses, starting with a beginner’s course and finishing with a comprehensive class on factoring software. Triple-AAA of the Financial Service & Consulting Network offers information on how to get started as a loan officer and factoring broker in a short period of time.

Find online training for employees of factoring companies

You can find most anything online these days, and that includes training in factoring. Some factoring companies provide brokerage training for you, including entry-level training and training that teaches highly advanced factoring skills.

I recommend: FactorHelp provides training for all levels, so you can find the specialized training your employees need. Rexford Funding offers broker training in factoring that you can customize for your staff.

Use factoring software to increase your factoring productivity

Small business factoring education and training should include training in factoring software. By using the software, you will better understand what factoring is all about, and learn how to effectively manage your cash flow and customers.

I recommend: FactorFox is a factoring business software that factoring companies use to save themselves work. The software makes the process of factoring bookkeeping faster and less prone to error. FactorSoft from Bayside Business Solutions is another software designed for a factoring company. It handles all aspects of your factoring business by managing the factoring and accounts receivable. Distinctive Solutions offers Factor/SQL and eFactor to factoring companies as software they can use in their business. Factor/SQL lets factoring companies manage all their accounts; the package sells for a reasonable price, and has been in use for over 20 years. EFactor lets clients of factoring companies check their accounts and keep abreast of all their factoring business.

FEATURED LISTINGS
Factoring for Small Businesses
Providers of small business factoring services through domestic, international, government and construction programs. Spanish services available.
Factoring Receivables
24-Hour Factoring Approval. $25K minimum. No financials. No hidden fees. Easy application. Since 1985. Apply today.
Apply Today | Advantages
Cash For Your Receivables
Bank says no? Get cash now to meet payroll or fuel growth. Ask for our Free ebook: Grow Your Company Without Debt.
Credit to Start or Grow Your Small Business
Get up to $6,500 for computers, travel, office equipment and more!
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Guide author

Small Business Factoring Key Terms

Learn more about factoring by mastering some key terminology.
Small business factoring has grown rapidly in recent times, since factoring is not a loan but the process of selling of an asset: your accounts receivable, to be specific. Factoring companies buy your receivables and give you cash advances based on their advance rate. When the factoring company gets paid, they then give you the remainder of the cash, minus a fee. This improves your working capital and allows you to pay salaries, ... Read more
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