Top Factoring Companies

Researched by:Goodfirms Research TeamUpdated:September 15, 2026

Goodfirms has reviewed 445 Factoring Companies as of September 2026 across 39 countries. The top-ranked firm is Global Access Capital Corp (5.0 stars, 1 verified reviews, NA, Vancouver). Across the category, the median hourly rate is $25, median client rating is 5, and 21% of firms employ 50+ members. Explore the vetted Factoring Companies below, compare their strengths, and connect with the provider best suited to your requirements.

Goodfirms has verified 445 Factoring Companies - part of 18,917+ Business Services Companies reviewed across 39 countries, each passing Goodfirms' 4-step verification process (background check, client interviews, portfolio audit, ongoing quality review). Listings marked "Sponsored" are agencies that pay for premium placement - sponsorship does not affect star ratings or review content.

Top 10 at Glance

Compare the highest-ranked firms first side by side.

Rank
Company
Rating
Reviews
Hourly Rate
Team Size
Founded
Location
Action

List of Factoring Companies | Top Invoice Factoring Services

Find a Factoring Company Near you
Find a Factoring Company Near you
Service
Hourly Rate
Employees
ReviewsAll Companies
Industry
Client Type
  • Goodman's management provides a high level of personalized service that is unmatched in our industry. In May of 2014 Goodman Factors joined forces with Independent Bank, a $1 billion asset community bank that offers a full range of personal and business banking services primarily in Tennessee. Independent Bank was founded in 1998 and has 10 ... read Goodman Capital Finance reviews & insights

    < $25/hr
    10 - 49
    1972
    Dallas, United States
  • At JOBE Services Inc., we specialize in helping our business clients achieve financial freedom from cash flow issues. Slow payments and other credit issues from customers can restrict business growth. Our job is to give our business clients access to working capital that they can invest back in their company by buying their invoices. JOBE ... read JOBE Services reviews & insights

    $25 - $49/hr
    2 - 9
    Humble, United States
  • Flash Funding provides freight factoring services by purchasing accounts receivable for ready cash, freeing trucking businesses from waiting weeks and months to receive payment for their invoices. Factoring provides companies with the l cash they need to keep drivers on the road, fund your operational cost, and build a base for growth. Fax or email ... read Flash Funding reviews & insights

    $25 - $49/hr
    2 - 9
    Houston, United States
  • Our founder, Dwayne Hood, jumped into the trucking industry in 1982 right after graduating college. He owned and managed a handful of carriers over the years. So, we all have a lot of respect for everyone associated with moving freight. We love trucking and have multiple years of experience in all aspects of the industry. ... read Trucking Partners reviews & insights

    NA
    2 - 9
    Cullman, United States
  • Turn your Accounts Receivable into immediate working capital. CFS offers simple, no-nonsense, flexible funding programs with industry-leading fee structures designed for today’s businesses. Unleash your cash flow today with CFS. We provide small to mid-size companies transactional based financing, allowing them virtually unlimited credit facilities and the ability to seize all opportunities available, without the ... read Capital Funding Solutions reviews & insights

    < $25/hr
    2 - 9
    2003
    Hollywood, United States
  • From our headquarters in Houston, we provide working capital to small businesses across the United States. BANCOVIA GROUP was founded in 2015. Our executive team consists of seasoned entrepreneurs and bankers who have experience in the financial services industry. We understand entrepreneurs and are able to make common sense funding decisions. Our unique approach to ... read Bancovia Group reviews & insights

    $25 - $49/hr
    2 - 9
    Houston, United States
  • AIM Business Capital specializes in helping businesses like yours improve their cash flow. By taking advantage of our accounts receivable factoring, you can have access to immediate working capital to reinvest in your business. Our credit and collection service options deliver the cash you need to succeed, without resorting to bank loans, tying up your ... read AIM Business Capital reviews & insights

    < $25/hr
    2 - 9
    2005
    Lafayette, United States
  • Founded in 1964 by Tom Love, Love’s Family of Companies is headquartered in Oklahoma City, and remains entirely family-owned and operated. With more than 550 locations in 41 states, Love’s approximate growth rate is 40 stores per year. From the first filling station in Watonga, Oklahoma, the Love’s commitment has remained the same: “Clean Places, ... read Love's Travel Stops reviews & insights

    NA
    10000+
    1964
    Oklahoma City, United States
  • TemPay is a national, privately held financial services and management company exclusively serving the temporary staffing industry. With roots in the employment field dating back to 1980, TemPay is uniquely positioned to facilitate and support all of your staffing company’s business requirements.

    < $25/hr
    10 - 49
    1994
    Cleveland, United States
  • With accounts receivable factoring you get funded the same day you invoice your customers. No longer do you need to wait 30 days or more to get paid when you offer payment terms to your customers, and accounts receivable factoring is not a loan so you don't take on any new debt.At DSA Factors we ... read DSA Factors reviews & insights

    NA
    10 - 49
    1986
    Chicago, United States
  • United Capital Funding converts your B2B and B2G invoices into working capital quickly, giving you more time to grow and manage your business.We are part of Gulf Coast Bank & Trust Company. As a result, we do not rely on capital from outside sources and that gives you lower fees and high quality client service. ... read United Capital reviews & insights

    NA
    10 - 49
  • You get a seamless invoice management system combined with a super fast approval process with our proprietary, paperless factoring software.When you trust your invoice factoring to us, you receive the industry’s simplest rates, all in one completely transparent charge. Gain the decision-making knowledge you need from our invoice factoring experts to improve cash flow and ... read Fast AR Funding reviews & insights

    NA
    50 - 249
    Los Angeles, United States
  • "Headquartered in New York City, Capstone is a private finance company focused on accelerating client cash flow. We provide client-specific solutions through Factoring Services, Purchase Order (PO) Financing, and Domestic and International Trade Financing. Our services offer results to construction trades, service companies, and wholesalers. Combining client assets and resources with our advanced logistics platform, ... read Capstone Capital Group, LLC reviews & insights

    < $25/hr
    10 - 49
    1990
    NYC, United States
  • Fordham Capital Partners is a commercial finance firm providing asset based financing solutions to companies in need of special financing.Fordham tailors programs to meet the specific financing needs of its clients. Solutions support client needs and are based on their asset quality, company management, operating performance, industry conditions, and the economy.Fordham is a privately held ... read Fordham Capital Partners reviews & insights

    NA
    50 - 249
    Northbrook, United States
  • Our ideal customer is a seasoned trucking or transportation company that is seeking factoring and requiring minimum monthly advances starting at $500,000. However, for customers outside the range, we work with a number of partners offering funding options starting at $10,000.

    < $25/hr
    50 - 249
    1987
    NYC, United States
  • AR Factoring, also known as accounts receivable factoring, is a great way to free up cash in a hurry - often in less than 48 hours. By using AR Factoring, you no longer have to cope with the stress of not having cash when you need it. No more sleepless nights worrying about keeping your ... read Opus Financial reviews & insights

    NA
    10 - 49
    Chicago, United States
  • Coral Capital Solutions is a commercial finance company providing working capital to small and midsize businesses mainly through financing their Purchase Orders and Accounts Receivable. We also provide Asset Based Loans against receivables, POs and inventory. We are well capitalized, using our own equity to fund clients and therefore have the ability to consummate transactions ... read Coral Capital solutions reviews & insights

    < $25/hr
    50 - 249
    2010
    NYC, United States
  • Our goal is simple. To put you in touch with the best factoring option for your company’s needs. We’ve navigated this industry long enough to understand that not every financing option is the same. Whether this is your first time looking for options or your tenth we can find a solution for you. With over ... read Factor For You reviews & insights

    NA
    10 - 49
    Jersey City, United States
  • We specialize in helping small businesses acquire the working capital necessary for growth and success through the purchase of accounts receivables (Factoring).

    $25 - $49/hr
    2 - 9
    San Antonio, United States
  • Compass Funding Solutions is the most popular source for factoring services with transportation companies. Compass offers a wide range of services centered around boosting our clients cash flow and creating scalable business growth.Our mission is to build lasting relationships with our employees and customers. We commit to delivering exceptional service, to earn your confidence, trust ... read Compass Funding Solutions reviews & insights

    NA
    10 - 49
    Chicago, United States
  • Truckstop.com is a leader in transportation technology and freight matching solutions. Founded in 1995 as the first load board on the internet, Truckstop.com offers logistics solutions for transportation professionals through load planning, transportation management, real-time rates, and negotiation tools, as well as the largest industry credit reporting entity helping industry professionals find trusted freight partners. ... read Truckstop.com reviews & insights

    NA
    250 - 999
    1995
    Chicago, United States
  • Over the next ten years, Dan and Jared worked tirelessly to build their staff and client base from the ground up. Growing each year, Fora Financial has continued to develop transparent relationships with clients and partners to provide them with personalized, innovative funding solutions. Due to the company’s hard work and history of excellence, Palladium ... read Fora Financial reviews & insights

    NA
    2 - 9
    2008
    NYC, United States
  • Over the years, we have financed countless growing businesses by providing the working capital and resources they need and taking an active interest in their future success. Our clients benefit from the fact that we’re still a private, family-run business. They know us by name and they know we don’t disappear once the deal is ... read Rosenthal & Rosenthal reviews & insights

    < $25/hr
    50 - 249
    1938
    NYC, United States
  • True simple interest APR revolving line of credit. Draw up to the max credit line whenever needed and only pay interest on the outstanding balance. No prepayment penalties allow you to save BIG on interest. Line of Credit option can be paired with any other Lilogy product

    < $25/hr
    10 - 49
    2015
    NYC, United States
  • SMB Compass is a bespoke business financing company focused on providing financing and education to small businesses across the United States. As banks continue to make it difficult for small businesses to borrow money, we continue to provide cost effective and flexible solutions.

    NA
    10 - 49
    2017
    NYC, United States
  • The Hedaya Capital Group in NYC is proud to partner with small to medium-sized businesses in their growth and life cycle. We work with many industries in order to ensure they have the cash flow and working capital they need to succeed. With our small business financing options, such as factoring, commercial lending, import financing, ... read The Hedaya Capital Group reviews & insights

    < $25/hr
    10 - 49
    2003
    NYC, United States
  • Capital Depot only factors businesses within the transportation industry in order to understand all the intricacies of the industry and our specialty is factoring new trucking businesses throughout the nation. As a freight factoring company, Capital Depot only factors businesses within the transportation industry in order to understand all the intricacies of the industry and ... read Capital Depot reviews & insights

    NA
    50 - 249
    Morton Grove, United States
  • CIT was born in 1908 when Henry Ittleson found a new way to make financing available to businesses in St. Louis, Missouri. Soon CIT was forging paths across the country, into Canada and overseas. After 100 years, financing remains at the heart of the company. But time and experience have produced innovations unimagined a century ... read CIT reviews & insights

    < $25/hr
    1,000 - 9,999
    1908
    NYC, United States
  • As a nationwide transportation factoring company, Saint John Capital only factors invoices within the trucking industry, allowing us to better understand all the intricacies of the trucking business and better serve our customers. We specialize in factoring invoices for both new and existing trucking companies and understand their specific needs.

    NA
    50 - 249
    Park Ridge, United States
  • As margins continue to shrink while the cost of keeping drivers on the road is on the rise, trucking companies must find a way to cover their costs of doing business. At Engaged Financial, we help bridge the gap between the point in time in which carrier costs are incurred and when client payment is ... read Engaged Financial reviews & insights

    NA
    10 - 49
    Parkville, United States
  • The team at Alexander Financial Solutions is dedicated to helping small and mid-size business owners achieve their business goals, with several service options designed to make it easy to get access to working capital that can help keep a business running. AFS is a group of financial service professionals that educates and introduces accounts receivable ... read Alexander Financial Solutions reviews & insights

    $25 - $49/hr
    2 - 9
    Jersey City, United States
  • We've built our organization on the notion that companies shouldn't have to jump through hoops to get funding. At eCapital, we get you the capital you need, when you need it. That way you can get back to doing great things. Whether that means purchasing new equipment, expanding your team or funding your next big ... read eCapital Corp reviews & insights

    NA
    250 - 999
    1993
    Kennesaw, United States
  • PRN Funding is a factoring company that provides financial resources for service and product suppliers in the healthcare and medical fields. PRN Funding purchases your accounts receivable and then provides you with cash to help your healthcare business grow. Factoring with PRN Funding gives you access to immediate cash which allows you to meet payroll, ... read PRN reviews & insights

    $25 - $49/hr
    10 - 49
    Cleveland, United States
  • We offer invoice factoring rates as low as .5% and advance rates as high as 99%. No business financials or tax returns required for our factoring programs, funding available as quickly as one business day. Our accounts receivables credit line offers advances up to 90% of accounts receivables along with great interest rates. No bank ... read Capital Quotes reviews & insights

    $100 - $149/hr
    50 - 249
    Cleveland, United States
  • Infusion Funding LLC provides alternative financing for small business through accounts receivable factoring and purchase order funding. These methods of financing are time tested and readily available. They allow you to keep up with your business growth by providing you the working capital to fill new orders, buy equipment, hire personnel, pay bills, to expand, ... read Infusion Funding reviews & insights

    $25 - $49/hr
    2 - 9
    Jersey City, United States
  • Specializing in the staffing industry and funding nationally, California based Flexible Funding provides funding only - or funding with back office services. Rates as low as 1% for 60 days. Accounts Receivable financing that is invisible to your customers, and programs designed to help you minimize, and eliminate funding. No long-term contracts, and the fairest ... read Flexible Funding reviews & insights

    < $25/hr
    10 - 49
    1992
    San Francisco, United States
  • What can a business do without cash? Not much these days, which is why the most successful businesses choose factoring to resolve cash flow difficulties. With Tri-State Factors, you can get your business growing again and leave the cash flow problem behind. Call Tri-State Factors today for a free, no obligation quote and get your ... read Tri-State Factoring reviews & insights

    $25 - $49/hr
    2 - 9
    Jersey City, United States
  • Invoice factoring, also known as accounts receivable factoring, helps small businesses get paid sooner by providing immediate cash advances for outstanding invoices. Let us match you with one of our invoice factoring companies in minutes. Are you tired of waiting 30, 60 or 90 days for your customers to pay? Invoice factoring companies provides immediate ... read The Factoring Marketplace reviews & insights

    NA
    2 - 9
    Cleveland, United States
  • Merchant Flow Financial is a direct business funding company focused on providing both expertise and consultative strategies to business funding, equipment financing, real estate funding, investment property financing, bridge loans, investment capital, and so much more. We understand that the world of business is anything but simple and easy. We strive to make our services ... read Merchant Flow reviews & insights

    $25 - $49/hr
    2 - 9
    Jersey City, United States
  • AeroFund Financial, Inc. is a direct commercial lender specializing in providing accounts receivable financing and factoring for small to medium sized businesses nationwide. As a client of AeroFund, you will have no need to seek investment capital or relinquish equity in your business in order to acquire working capital. Providing capital and professional customer service ... read AeroFund reviews & insights

    < $25/hr
    10 - 49
    1987
    San Jose, United States
  • As we understand the Importance of transparency between Client and Customer, QFF provides Online portal in which You can see your daily Invoices purchased, Outstanding as well as money Collected on your Behalf. We believe in Growth, As we are up to date in the Market, we Provide free Consultations to our Clients regarding how ... read Quick Freight Factors reviews & insights

    $25 - $49/hr
    2 - 9
    Jersey City, United States
  • Our funding is much faster and more flexible than raising equity or bank debt because we fund based on the strength of your receivables or future sales projections. We pride ourselves on being your financial partner – helping you navigate the cash flow challenges inherent in growing companies. Our goal is to let you get ... read Harper Partners reviews & insights

    < $25/hr
    2 - 9
    2015
    Los Angeles, United States
  • At AGR Financial, you work with financial professionals with broad experience in the capital markets who understand your business and its unique problems. Since we focus solely on your industry, our solutions are customized to meet your specific needs. We believe in forming long-term relationships with our customers and in becoming a part of their ... read AGR Financial reviews & insights

    $25 - $49/hr
    2 - 9
    Jersey City, United States
  • For the last 30 years, PMF has provided Invoice Factoring to its clients for their working capital and cash flow needs by converting invoices into immediate cash. This service is excellent in assisting growing businesses meet their expanding inventories and payrolls.

    NA
    2 - 9
    Los Angeles, United States
  • ACS Capital Solutions, LLC dba ACS Factors Provides working capital to small businesses in the form of non-recourse factoring.

    < $25/hr
    2 - 9
    2014
    Upland, United States
  • Since 1985, Merchant Financial Group has been an industry leader in servicing growing businesses across the world with innovative financial tools and flexibility. Using our four credit departments, Merchant Financial Group offers tremendous resources and services to our clients. Our clients and their customers enjoy the advantages of quick decision making and personal attention that ... read Merchant Financial Group reviews & insights

    < $25/hr
    50 - 249
    1985
    Los Angeles, United States
  • In 2010, we created NowAccount because we were sick of waiting for our customers to pay. Initially, we celebrated when we landed a big contract, but weeks and weeks would pass and payment would still be outstanding. We needed working capital to continue business operations and our cash was tied up in our invoices.Everyone told ... read NowAccount reviews & insights

    NA
    10 - 49
    2010
    Atlanta, United States
  • Welcome to Simplicity Financial Solutions! We realize the entire invoice factoring process may seem confusing and we want you to know we are here to help. You have choices when selling your invoices – and we want you to be 100% confident in trusting us to assist you every step of the way. We are ... read Simplicity Financial Solutions reviews & insights

    $25 - $49/hr
    2 - 9
    Jersey City, United States

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The Magical Quadrant

Hover any bubble for the firm's exact scores. Filter the view using the controls on the right.

360-PERFORMANCE VIEW (Y) →
0255075100
Industry ContendersIndustry LeadersUpcoming AchieversMarket Influencers
0255075100
CORE COMPETENCIES (X) →

The four quadrants explained

Each card shows the count of firms in that quadrant and the top 5 by composite score.

Industry Leaders
Top-right · Both axes ≥ 50
2FIRMS

Strong on both Core Competencies and 360-Performance. These firms have proven track records, deep specialisation, and solid client outcomes. Default recommendation for most buyers.

Industry Contenders
Top-left · Y ≥ 50, X < 50
2FIRMS

Strong execution but broader service mix. High-quality generalists - good fit if your project crosses multiple disciplines in one engagement.

Top 5 by composite score

1OnHires38 / 742Techunting39 / 52
The Industry Leaders in detail

The 2 highest-scoring firms in the Industry Leaders quadrant. Each has both Core Competencies and 360-Performance ≥ 50. Click any card for the full profile.

How firms are placed on the matrix

Every position on this chart is the output of the Goodfirms ranking algorithm - a weighted composite of signals across two axes. The algorithm is recomputed regularly and is fully documented.

Sponsorship does not affect placement. PRO members receive visible badges and ad placements, but their algorithmic scores are calculated identically to free listings.

Read the full methodology
Algorithm at a glance
1
X-axis (Core Competencies): Service Focus Ratio + Portfolio Depth + Quality + Experience
2
Y-axis (360-Performance): Client Reviews + Market Presence + Goodfirms Score
3
Missing signals are excluded from a firm's score, not substituted with defaults - weights redistribute across remaining inputs
4
Recency decay over the last 18 months keeps stale reviews from dominating
5
Eligibility floor: ≥ 1 published review in this category scope

Where the firms are.

Bubble size shows how many firms each country has; colour shows its average hourly rate. Tap any country for its firm count, average rate, rating, and Value Score.

Loading map…

Average hourly rates by region.

Where you hire affects what you pay by up to 3×. Comparable quality is available across regions - the rate gap between the priciest and cheapest is the single biggest lever on a project budget.

Average hourly rate · USD

INSouth Asia$50/hr$50
ZAAfrica$42/hr$42
UAEastern Europe$40/hr$40
AUOceania$38/hr$38
SGAsia Pacific$34/hr$34
MXLATAM$33/hr$33
USNorth America$31/hr$31
GBWestern Europe$31/hr$31

What the gap actually buys you

The rate gap between the highest- and lowest-cost regions is largely a cost-of-living and labor-market gap - not a quality gap. Top-tier firms in lower-cost regions routinely deliver work competitive with premium markets at a fraction of the cost.

That said, time-zone overlap, language alignment, and IP protection vary by region. Eastern Europe and LATAM hit a sweet spot: meaningful cost savings with same-day overlap for US/EU clients.

~70%

Typical cost savings when moving a $100K/year dev contract from a premium market to a top value destination - comparable skill, comparable delivery quality.

All countries ranked by Value Score.

Every country with 100+ vetted firms in this category, ranked by Value Score.

CountryFirmsAvg RateAvg RatingValue ScoreAction
USUnited States214$31/hr587View firms
USUnited States
214 firms$31/hr5
Value Score87 / 100

Match by work-hour overlap with your team.

Cost matters - but so does being able to actually talk to your developer during your workday. Here are the best destinations for each major hub.

If you're in US (PT/ET)Recommended

Look for nearshore LATAM partners - same-day collaboration, similar time zones, and 50-60% cost savings vs domestic.

MXMexico~7h overlap
ARArgentina~6h overlap
BRBrazil~5h overlap
CACanada~8h overlap
If you're in Europe (CET/GMT)Recommended

Eastern Europe is your sweet spot - 1-2h time zone shift, EU GDPR alignment, and 40-50% lower rates than Western Europe.

PLPoland~8h overlap
UAUkraine~7h overlap
RORomania~7h overlap
ZASouth Africa~8h overlap

How firms are placed on the matrix

Every position on this chart is the output of the Goodfirms ranking algorithm - a weighted composite of signals across two axes. The algorithm is recomputed regularly and is fully documented.

Sponsorship does not affect placement. PRO members receive visible badges and ad placements, but their algorithmic scores are calculated identically to free listings.

Read the full methodology
Algorithm at a glance
1
X-axis (Core Competencies): Service Focus Ratio + Portfolio Depth + Quality + Experience
2
Y-axis (360-Performance): Client Reviews + Market Presence + Goodfirms Score
3
Missing signals are excluded from a firm's score, not substituted with defaults - weights redistribute across remaining inputs
4
Recency decay over the last 18 months keeps stale reviews from dominating
5
Eligibility floor: ≥ 1 published review in this category scope

Found your target region?

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Get matched firms

Countries with the best Value Score for business services hiring.

Ranked by a composite score blending firm count (supply), average rating (quality), and median hourly rate (cost). Affordability is weighted highest (50%), so this list surfaces actually affordable destinations rather than just-big markets.

Budget leader
United States · $0-24/hr

80 firms in this tier - more than any other country. Top picks: J D Factors, Factoring Fast, Eagle Business Credit, LLC.

Mid-tier leader
United States · $50-99/hr

2 firms in this tier - more than any other country. Top picks: Mazon Associates, Trust Funding Solution.

Top tier leader
India · $150+/hr

1 firms in this tier - more than any other country. Top picks: Dhruv Container.

Loading heatmap…
Cell intensity (firm density):
Low
High
Best Value marks the densest, highest-rated, most-affordable cell per row

How the heatmap is built

Every cell in the grid above is the count of firms in (place × hourly-rate tier). Firms are placed by their published hourly rate; those without a disclosed rate are not plotted.

Top company names per cell are surfaced by Value Score - a weighted blend of affordability (50%) + rating (35%) + review volume (15%).

The "Best" ribbon marks the cell in each row where firm density, ratings, and affordability line up best - the densest, highest-quality combination.

Read the full methodology
Value Score · per firm
ValueScore = 0.50 × Affordability
+ 0.35 × Rating
+ 0.15 × Review Volume
// All sub-scores normalized 0-100
// Affordability = (1 - rate/$200) × 100
// Rating = (rating - 3) / 2 × 100
// Volume = log10(reviews+1)/log10(200) × 100

Found your target region?

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