Why us
A boutique firm with proven professionals
We built Funding Team around a simple observation: the companies that need capital most urgently are the ones traditional lenders are slowest to serve. Everything here is designed around speed, honesty and structures that actually fit.
A real underwriter, not a form
Every file is read by a person with authority to say yes. You get a name, a direct line and a decision — not a scoring model and an automated decline.
Priced on your credit, not a rate card
Advance rates and fees are built from your customer concentration, dilution history and industry. Strong files get strong pricing.
Structures banks won't build
Turnarounds, tax plans, DIP situations, sub-one-year operating histories and customer concentration above 50% are ordinary work here.
No hostage clauses
Month-to-month options, no minimum volume penalties on most programs, and termination terms in plain language on page one.
Funding that follows you up-market
Start at $50K and move through factoring, PO funding and VendorPay into a full working capital program without changing lenders.
Answers on the same business day
Complete files receive a term sheet within one business day. If the answer is no, you hear it fast and you hear why.
Side by side
Funding Team versus a traditional bank line
Banks are excellent at what they do. They are simply not built for the company that needs an answer this week.
| Dimension | Traditional bank line | Funding Team |
|---|---|---|
| Time to decision | 4–8 weeks, by committee | 24 hours, by a named underwriter |
| What is underwritten | Your last two years of financials | Your customers' credit and your receivables |
| Covenants | Debt-service and leverage tests | None on most facilities |
| Line growth | Renegotiated annually | Automatic, tied to invoicing |
| Customer concentration | Often capped at 20% | Regularly funded above 50% |
| Time in business | Two to three years minimum | Startups considered on customer credit |
What you get
The relationship, in plain terms
Here is what we commit to on every file, whether it is a $50,000 facility or a $15,000,000 program.
- A named underwriter with authority to approve, reachable by direct line
- A written term sheet within one business day of a complete file
- Every fee disclosed before you sign — no lockbox, wire or minimum surprises
- A clear no with a reason, when the answer is no
- Month-to-month options and plain-language termination terms
- Introductions to the right structure even when it isn't ours
Questions
Before you commit
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.
Find out what your receivables are worth
Send us an A/R aging and a few details. A named underwriter returns a term sheet within one business day — with no obligation and no hit to your personal credit.