Services
Working capital, structured three ways
Most clients start with one program and add another as they grow. All three sit on a single relationship, a single underwriter and a single statement.
Choosing a program
Which one fits your problem?
A quick way to narrow it down before you talk to us.
“You've delivered, but you're waiting to get paid.”
Start with
A/R Factoring
“You have an order you can't afford to produce.”
Start with
Purchase Order Funding
“Your vendors want cash before your customers pay you.”
Start with
VendorPay
The process
The same four steps, whichever program you choose
Tell us what you need
A five-minute application and an A/R aging is enough for us to start. No obligation, no impact on your personal credit to get a look.
Get a term sheet in 24 hours
A named underwriter reviews the file and returns advance rate, fee structure and facility size in writing.
Close in days, not quarters
Standard diligence and documentation. Most facilities fund within three to five business days of a signed term sheet.
Draw whenever you want
Submit invoices on your schedule. Approved batches wire same day, and your line grows as your sales do.
Questions
Common questions across all programs
Is factoring a loan?
No. Factoring is the sale of an asset — your invoice — at a discount. Because it is a sale rather than a borrowing, it does not add debt to your balance sheet and there is no fixed monthly payment.
How fast can we actually get funded?
A complete file receives a term sheet within one business day. Onboarding, including UCC filing and account setup, typically takes three to five business days. After that, approved invoice batches fund the same or next business day.
What does it cost?
Factoring starts at 1.5% per 30 days and PO funding at 2.5% per 30 days. Final pricing depends on your customers' credit, monthly volume, invoice size and dilution history. Every fee appears on the term sheet — there are no undisclosed lockbox, wire or monthly minimum charges.
Will my customers know?
For factoring, yes — invoices carry a notice of assignment and payments are directed to a lockbox. This is standard practice in most industries and is handled professionally. VendorPay and PO funding involve your suppliers rather than your customers.
We've been declined by a bank. Does that matter?
Rarely. We underwrite the credit quality of your customers and the strength of your receivables, not your time in business or your last two years of profitability. Startups, turnarounds and companies with tax plans in place regularly qualify.
Do we have to factor every invoice?
No. Most of our programs are selective, meaning you choose which customers and which invoices to fund. Some pricing tiers require whole-ledger participation, and we will say so clearly on the term sheet.
What if a customer doesn't pay?
Under a non-recourse program, we absorb the credit loss when an approved customer fails to pay due to insolvency. Under recourse, the invoice is repurchased or replaced. We will walk through exactly which structure you're signing before you sign it.
What industries do you fund?
Staffing, transportation, manufacturing, government contracting, wholesale and distribution, oilfield services, construction and business services are our core. If your customers are creditworthy businesses or agencies, it is worth a conversation.
Not sure which of the 3 fits?
Tell us the problem in a sentence and we will tell you which program solves it — or tell you honestly that none of them do.