Top 10 Factoring Companies in The USA 2025

In recent years, factoring companies have witnessed exponential growth. One significant reason is the increasing need for businesses to improve cash flow management. Additionally, the rise of small and medium-sized enterprises (SMEs) seeking alternative financing options contributes to the expansion of factoring firms. The global factoring services market stood at USD 3,566.99 billion in 2022 and is projected to witness a robust CAGR of 9.2% from 2023 to 2030. 

As a result of the growing number of factoring companies, selecting the most suitable one necessitates a comprehensive evaluation. Factors to consider include the company's experience, the range of services it offers, available locations, invoice verification process, etc. Each business has unique needs, and aligning with a factoring company that understands these requirements is vital for a successful partnership.

Invensis recognizes the significance of this decision and has compiled a comprehensive list of 10 top factoring companies in USA to guide businesses through the selection process. The compiled list encompasses key criteria to evaluate when choosing a factoring company, facilitating an informed decision-making process for businesses of all sizes.

Before exploring the top 10 factoring companies in USA, let's discuss Invensis and its commitment to aiding businesses in various factoring support operations along with various key specifications.

Invensis

Specifics	Details
Key Services	Invoice Audit/Validation, Data Entry Verification, Compliance Verification, Load Verification/Pre-Purchase Verification, Invoice Verification with Debtor (Voice & Non-voice), Fuel Advance Processing, On Call Services 24x7, Collection Follow-up, Account Reconciliation, Background Checks, Onboarding/Underwriting, Post Purchase Verification, Sales Support Services, Account Executive Services, F&A Services, Bookkeeping Services, etc.
Countries Served	US, UK, and Canada.
Notable Clients	Trucking companies, manufacturing firms, logistics firms, supply chain firms, freight brokers, small business startups, wholesale distributors, healthcare businesses, oilfield services, retail, medical equipment suppliers, staffing and employment agencies, and more.
Contact Details	Invensis Inc. 2785 Rockbrook Dr STE 204 Lewisville, TX 75067 Telephone: +1 (302)-261-9036

As a factoring support services provider, Invensis has vast experience in delivering support solutions to factoring companies. Our invoice factoring support solutions have assisted many factoring businesses in making the right decisions in financing their clients. We extend our comprehensive back-end support services, focusing on industries such as logistics, trucking, staffing, healthcare, manufacturing, and more.

Since 2000, Invensis has been a stalwart in factoring support, serving clients in the US and European markets. Our list of services includes invoice audit/validation, pre-purchase verification, collection follow-up, onboarding/underwriting, post-purchase verification, and more. With this expertise, streamlined approach, and industry best practices, we have earned a reputation among our clients.

10 Best Factoring Companies in the USA

Here is a list of ten notable factoring companies in the USA:

1. Riviera Finance

Specifics	Details
Key Services	Non-Recourse Factoring, Invoice Factoring, Payroll Financing, Cash Flow Management, Invoice Financing, Accounts Receivable, etc.
Countries Served	Many locations in the US and Canada.
Notable Clients	Small businesses, startups, and entrepreneurs, local retailers.
Contact Details	220 Avenue I. Redondo Beach, CA 90277. Telephone: +1 (310) 540-3993

Founded in 1969, Riviera Finance is a business financing company specializing in full-service, non-recourse invoice factoring. With over 25 offices across the US and Canada, they offer expert accounts receivable management and credit services. Riviera Finance is dedicated to providing face-to-face service and tailored financial solutions to small and medium-sized businesses, ensuring a comprehensive package that includes invoice processing and receivables management.

2. RTS Financial

Specifics	Details
Key Services	Trucking Factoring, ProTransport, Fuel Card Program, RTS Pro, Credit Reports, etc.
Countries Served	Several parts of the United States.
Notable Clients	Medium-sized enterprises and growing companies, regional manufacturers, service-oriented businesses, distribution companies, etc.
Contact Details	9300, 9325 & 9350 Metcalf Avenue Overland Park, KS 66212 Telephone: +1 (866) 779-8575

Since 1995, RTS Financial has been a trusted partner for businesses seeking financial solutions in various industries. With over 25 years of experience, they specialize in accelerating cash flow for trucking, oilfield services, distribution, textiles, staffing, and manufacturing. Offering bundled services, they ensure lower factoring rates, faster payment processing, and improved fuel savings through an industry-leading fuel card program. Their commitment lies in helping companies thrive by efficiently managing operating expenses and meeting payroll obligations, ultimately supporting growth and expansion.

3. altLINE

Specifics	Details
Key Services	Invoice Factoring Services, Freight Factoring, Accounts Receivable Financing
Countries Served	All over the United States
Notable Clients	Transportation and logistics companies, freight carriers, shipping companies, third-party logistics providers, etc.
Contact Details	2151 Highland Ave Suite 330, Birmingham, AL 35205 Telephone: +1 (205) 629-4359

Founded in 1936, The Southern Bank has been a trusted community lender in Northeast Alabama for 88 years. Recognizing the demand for non-traditional commercial credit, the bank introduced altLINE in response. Operating within FDIC-insured and state-regulated parameters, altLINE offers the flexibility of an independent financing company coupled with the cost advantages and service excellence of a community bank. Specializing in working capital solutions, altLINE collaborates with professionals nationwide to deliver invoice factoring and A/R financing services to industries such as staffing, small businesses, professional services, medical receivables, and wholesale and distribution.

4. Scale Funding (TCI Business Capital)

Specifics	Details
Key Services	Credit analysis and business risk assessment, Accounts receivable management, etc.
Countries Served	All over the US.
Notable Clients	Trucking and freight carriers, long-haul trucking companies, regional freight haulers, specialized carriers, and more.
Contact Details	7600 Parklawn Ave, Suite 250, Edina, MN 55435 Telephone: 866-219-4873

Since 1994, Scale Funding has been a premier provider of factoring solutions for small to midsize companies nationwide. Recognized for expertise, they offer swift invoice factoring to fuel business growth. With a distinctive get-it-done culture, Scale Funding stands out for reliability, flexibility, and exceptional customer service. As a division of Scale Bank in Edina, Minnesota, they boast the flexibility and capital to cater to the needs of expanding clients.

5. Triumph Business Capital

Specifics	Details
Key Services	Freight Brokers, Large Fleets, Owner-Operators, Asset Based Lending, Back Office Support, Fuel Programs, Equipment Financing
Countries Served	Many parts of the USA.
Notable Clients	Manufacturing and production businesses, industrial manufacturers, assembly plants, product fabrication companies, trucking, etc.
Contact Details	651 Canyon Drive, Suite 105, Coppell, Texas 75019 Telephone: (866) 356-0888

Established in 2004 by private investors with notable backgrounds in transportation and commercial finance, Triumph specializes in swift invoice factoring. Serving owner-operators, fleets, and freight brokers, Triumph empowers businesses to efficiently manage cash flow, ensuring financial stability. Offering a comprehensive suite of solutions customized to both immediate requirements and long-term objectives, Triumph has been a trusted financial partner for nearly two decades, assisting thousands of trucking companies in achieving their financial goals.

6. eCapital

Specifics	Details
Key Services	Freight Factoring, Invoice Factoring, Payroll Funding, Asset-based Lending, Lines of Credit, Equipment Refinancing
Countries Served	USA and Canada
Notable Clients	Freight brokers and logistics intermediaries, logistics brokerage firms, freight intermediaries, shipping coordination services, and more.
Contact Details	20807 Biscayne Blvd #203, Aventura, FL 33180 Telephone: 786-279-2900

Since 2006, eCapital has transformed the financial landscape for small to medium-sized businesses, ensuring they access vital funding swiftly. Recognizing the imperative of financial agility, the company blends innovation and expertise to empower businesses in real-time decision-making. Evolving over 15 years, eCapital is now a prominent alternative lender, strategically acquiring resources to prioritize clients' distinct needs.

7. FundThrough

Specifics	Details
Key Services	Velocity Invoice Factoring
Countries Served	USA and Canada
Notable Clients	Transportation and logistics companies, Long-haul trucking companies, local delivery services, freight carriers, shipping companies, courier services, etc.
Contact Details	3730 Kirby Dr. #1200 Houston, TX, US 77098 Telephone: +1 (800) 766-0460

Founded in 2014, FundThrough empowers businesses with accessible working capital on their terms. A Toronto-based financial services company, FundThrough operates an online lending platform, delivering swift, convenient, and transparent financing solutions to small businesses. Specializing in accounts receivable, it enables businesses to invest in and expedite their growth. FundThrough's mission is to ensure businesses always have the financial support they need to thrive in the dynamic business landscape.

8. JPMorgan Chase & Co

Specifics	Details
Key Services	Commercial Banking, Credit and Financing, Institutional Investing, Investment Banking, Payments, Private Bank, Wealth Management
Countries Served	All over the US.
Notable Clients	Trucking and freight carriers, Interstate trucking companies, freight hauling businesses, specialized carriers, trucking owner-operators, fleet operators, and more.
Contact Details	270 Park Avenue, New York, NY Telephone: 1-212-270-6000

J.P. Morgan's Supply Chain Financing program, established in 1994, has been a global leader in servicing clients and their suppliers. With a proven track record, JPMorgan Chase & Co. stands out as a premier factoring company in the US. Offering comprehensive solutions in working capital management, lending, and factoring services, JPMorgan is dedicated to fostering successful financial partnerships worldwide.

9. BlueVine

Specifics	Details
Key Services	Business Checking, Line of Credit, Credit Card, Accountants & Bookkeepers, Paycheck Protection
Countries Served	All over the USA.
Notable Clients	Supply chain and logistics companies, Inventory management services, warehousing companies, third-party logistics providers, supply chain consultants, and order fulfillment services.
Contact Details	30 Montgomery St, Suite 1400 Jersey City, NJ 07302 Phone number: 1-888-216-9619

BlueVine, established in 2013 and headquartered in Jersey City, New Jersey, offers crucial working capital to small and medium-sized enterprises. Through its online, cloud-based platform, BlueVine facilitates quick access to funds for purchasing inventory, covering expenses, and expanding operations. Specializing in invoice factoring, the company ensures swift advances on outstanding invoices, empowering businesses with financial flexibility and support.

10. Premium Merchant Funding One

Specifics	Details
Key Services	Premium Business Financing Services, Merchant Cash Advance, Line of Credit, Equipment Financing, Mortgage Financing, Term Loan, Factoring, P.O. Financing, SBA Loan, Credit Servicing, Credit Card Processing
Countries Served	Many parts of the USA.
Notable Clients	Freight brokerage firms, logistics coordination services, freight forwarders, shipping intermediaries, etc.
Contact Details	55 Water Street New York, NY 10004 Telephone: (646) 583-4425

Established in 2014, Premium Merchant Funding is a New York City-based lending institution catering to small businesses. With a comprehensive suite of services, PMF specializes in merchant cash advances, small business loans, SBA loans, equipment financing, factoring, purchase order financing, and commercial mortgages. Beyond financial solutions, the firm extends support in credit card processing, personal and business credit repair, payroll services, search engine optimization, and web development, demonstrating a commitment to holistic business growth and success.

To know more about Invensis and our factoring support services, contact us today!