Who we are
We publish a directory that lists and compares factoring companies. For each company we collect what it publishes about its rates, advance percentages, contract terms and services, along with its public complaint and review record, and present it in a consistent format so you can compare one factor against another. We also publish guides that explain what factoring costs, what common contract terms mean, and how to switch factors.
The directory is free to use. You do not need an account to read anything on the site, and requesting quotes through our quote form costs nothing and carries no obligation.
Factoring is a lightly regulated corner of business finance. There is no single licensing body, no standard contract and no requirement for a factor to publish its rates. That leaves business owners comparing marketing pages. Our job is to apply one consistent set of criteria to every company and show our work, so you can judge our assessments rather than take them on trust.
We are not a factoring company, a broker or a lender. We do not buy invoices or lend money, and we are not a party to any agreement you sign with a factor. Nothing on this site is financial or legal advice, and our ratings are an editorial assessment, not a regulated financial rating. Confirm current terms directly with any company before you sign.
Our editorial team
[Editor name — Brian to supply], Managing Editor
[credentials — Brian to supply]
The editorial team decides what we publish and how companies are described and rated. No factoring company, broker or industry association reviews or approves our content before it goes live.
Editorial standards
How companies are selected
We start from the factoring companies a business owner is realistically likely to encounter: the larger and more widely used factors in each industry, plus smaller ones that come up often enough to be worth knowing about. Any company can also ask to be listed.
Being listed and being rated are different. A company receives a rating only if we can assess it against every one of our criteria using the same kinds of evidence we use for everyone else: its own published terms, its Better Business Bureau file, and enough public review volume to be meaningful. When the public record is too thin to score a company fairly, we publish a profile that sets out what the company discloses and what it does not, without a number that would imply a comparison we cannot support. That is not a judgement about quality, and a company becomes eligible for a rating when its public record allows it.
Where our information comes from
We use four kinds of source and treat them differently:
- The company's own published material. Rates, advance percentages, contract terms, fee schedules and service descriptions on its own website. This is the strongest evidence of what a company will commit to in public.
- Better Business Bureau records. Accreditation, rating, complaint volume and how complaints were resolved.
- Public review platforms. Aggregate ratings and the spread of scores, rather than individual anecdotes.
- Our own checks. What a company's published terms say on a given date, whether claims made in one place match claims made in another, and whether its website and contact details still work.
We do not base a rating on paid data, press releases, or information a company supplies to us privately.
Published, verified and reported
We keep three kinds of claim separate and label them:
- Published means the company states it itself, in public, where anyone can check. We attribute it and link to it.
- Verified means we checked it ourselves and are reporting what we found on a stated date.
- Reported means it comes from a third party, such as the Better Business Bureau or a review platform, and we say where.
We also say when something is not published. Many factoring companies do not disclose their rates, advance percentages, contract lengths or monthly minimums. An empty cell in one of our comparison tables is a finding, not a gap in our research, and we never fill it with an estimate presented as a published figure.
Sources and statistics
Every figure in our guides links to the page it came from, and every guide ends with a list of the sources we opened. We prefer primary sources: government agencies such as FMCSA, the SBA and the Federal Reserve, statutes and regulations, and each factoring company's own pages. If we cannot verify a figure, we leave it out.
What we do not do
- We do not sell ratings, rankings or a better description.
- We do not publish paid reviews or sponsored articles.
- We do not accept gifts, trips or payment from the companies we cover in exchange for coverage.
- We do not give personalised financial advice.
How often we update
Ratings are reviewed at least once a year. Company profiles and guides are reviewed when something material changes, such as a company changing its published terms, being acquired or closing. Each page shows the date it was last updated, and dated figures such as fuel prices or market data carry the date they refer to.
How we rate companies
Every rated company is scored against the same criteria with the same weights, covering customer sentiment, complaint record, and what you actually get from the relationship, such as contract flexibility, access to support and added services. Our methodology sets out each criterion, what it is worth and where the underlying information comes from.
How we make money
The directory is free for business owners. We earn money in two ways, and neither changes how a company is rated.
- Affiliate links. Some links to factoring companies are affiliate links. If you become that company's customer after following one, we may earn a commission at no cost to you. Those links are marked as sponsored.
- Featured listings. We may offer companies paid placement in prominent positions on the site. Any featured or paid placement will be clearly labeled as such.
Payment never changes a company's rating, its score, or what we write about it. Commercial relationships are not one of our rating criteria, no company can pay to be rated or to be rated higher, and companies we earn nothing from are assessed on exactly the same criteria as those we do. An affiliate relationship creates an incentive whether or not it changes any decision, so our answer is to publish our methodology, show our sources, and disclose the relationship wherever it appears.
Corrections
We will sometimes get things wrong. Factoring terms change, companies are acquired, and complaint records move. When we are wrong, we want to hear about it and fix it.
If you work for a company we cover and believe something we publish is inaccurate, tell us what is wrong and what the correct information is, with a source we can check, usually a page on your own website. We will verify it and, if we were wrong, correct it. If a correction changes a rating, we recalculate it and note the change. We will not change a rating because a company would prefer a different one, or remove a company that would rather not be listed. If a company disputes something we can support, we are willing to publish that it disputes it.
If you are a customer whose experience differs materially from what we have written, we want to know. A single account is not grounds to change a rating, but patterns matter and they inform our reviews.
Our commitments:
- We correct factual errors as soon as we confirm them, rather than waiting for the next scheduled review.
- Substantive corrections are noted on the page, not made silently.
- We do not remove or soften accurate reporting because a company objects to it.
Contact
Email: [contact email — Brian to supply]
Write to us about a correction, a company responding to how it is described or rated, a general question about factoring, or press and research enquiries. We read everything that comes in and reply to anything that needs a reply.
Looking for factoring quotes? Use our quote form. Tell us about your business and we will pass your request to factoring companies that match it. We cannot tell you what a particular company will charge, get you approved, or step into a dispute you have with your current factor; for that you need the company itself or your own professional adviser.
How we handle the information you send us is explained in our privacy policy.