Industries we serve.

Growers, wholesalers, shippers and brokers of perishable agricultural commodities operate on razor-thin margins where every day of delayed payment compounds the risk of spoilage, missed payroll and broken supply chains. Buyers dictate 30-to-60-day terms while the product itself has a shelf life measured in days. Factoring structured around PACA closes the gap.

Carriers, owner-operators and small fleets running freight for brokers and shippers usually get paid 30 to 60 days after delivery. Fuel, drivers, insurance and maintenance run on shorter cycles. Factoring against the broker's invoice covers the gap.

Manufacturers purchase raw materials and labor upfront, produce finished goods, and invoice commercial buyers on net-30 to net-90 terms. The gap between production costs and customer payment is where cash flow tightens. Factoring against the buyer's invoice covers that gap.

Subcontractors and specialty trades invoice general contractors or property owners on completion of milestones. Payment terms of 60 to 90 days are standard. Labor, materials, and equipment rental run on shorter cycles. Factoring against the general contractor's invoice funds the account before the next phase begins.

Staffing firms, temp, contract IT, healthcare placement, light industrial, invoice clients on net-30 to net-60 terms but settle with their workforce weekly or bi-weekly. The gap between payroll and AR is the primary constraint on growth. Factoring addresses it.

Third-party logistics providers, freight brokers, and warehousing operators invoice shippers and manufacturers on net-30 to net-60 terms. Operating costs, warehouse leases, carrier payments, and technology run on shorter cycles. Factoring against the shipper's invoice funds the operation through the gap.

Federal, state, and local government contracts are among the most creditworthy receivables in commercial finance. The constraint is timing: payment cycles of 45 to 90 days are routine, and administrative delays can push beyond that. The contractor's payroll, suppliers, and bonding requirements come due before the agency processes the voucher.

Disaster recovery and restoration contractors mobilize immediately after storms, fires, floods, and other catastrophic events. The work is urgent, but payment from insurance carriers, government agencies, and property owners follows lengthy claims and reimbursement cycles. Factoring against approved invoices funds the operation while the claim is processed.

Wholesalers and distributors purchase inventory from manufacturers or importers and sell to retailers, chains, or other commercial buyers on net-30 to net-60 terms. The cash cycle, buy inventory, ship it, then wait for payment, is the core constraint. Factoring against the buyer's invoice releases capital to restock.

Healthcare providers, medical staffing agencies, and service companies invoice insurance carriers, Medicare, Medicaid, and hospital systems. Reimbursement cycles of 60 to 120 days are common. Staff, supplies, and facility costs run weekly. Factoring against approved claims or commercial invoices funds the practice or agency through the reimbursement cycle.