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 put every company's published terms side by side, each with its source and the date we checked it, so you can compare them yourself.
We are not a factoring company, a broker or a lender. We are a referral partner: we connect you with a factor, and the factor quotes your terms. 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. We don't rate, score or rank factoring companies. Confirm current terms directly with any company before you sign.
Factor Connection's editorial team
Every page on this site is written and maintained by Factor Connection's editorial team and published under the "Factor Connection Editorial Team" byline. The team is small and works under one editor who is responsible for everything we publish. We research from each company's own published terms, its Better Business Bureau file and public review platforms, and we keep the working notes behind every rating so a claim can be traced back to the page it came from.
The editorial team decides what we publish and how companies are described. No factoring company, broker or industry association reviews or approves our content before it goes live, and no partner sees a review before it is published.
Managing editor: [name and credentials to be added]. Until then, write to the contact address below and your message reaches the editor directly.
Editorial policy
- Independence. Commercial relationships, described on How we're paid, are handled by the business side. They never change the facts we publish about a company, and the people who negotiate partnerships do not edit reviews.
- Evidence first. A figure appears only if we can link it to a public source. Terms a company does not publish are reported as not published, never estimated. Where a company's own pages contradict each other, we say so and show both.
- Dated, not timeless. Every page shows when it was last updated. Facts are labeled with the date we checked them, and we re-check company profiles at least once a year, sooner when a company is acquired, changes its published terms or closes.
- Facts aren't for sale. We publish no ratings or rankings. Factoring companies can pay for placement, which is always labeled Featured or Sponsored and may affect listing order; payment never changes the facts or descriptions we publish.
- Corrections are visible. We correct confirmed errors as soon as we confirm them and note substantive corrections on the page. See the corrections process below.
- Plain English and Spanish. We write for business owners, not for lenders. Our Spanish freight section is written in a Mexican and Texan register with a locked glossary; uncertain terms are flagged for a native-speaker review rather than guessed.
- Tools. We use software to fetch public pages, check links and keep our data in order. People decide what gets published and how a company is described.
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.
Every listing sets out what the company discloses and what it does not. A short listing means the company publishes little, not that it is worse; companies can claim their listing to add their own details.
Where our information comes from
We use three 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, complaint volume and how complaints were resolved.
- 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 what we publish on paid data or press releases. Information a company supplies when it claims its listing is labeled as company-reported.
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 a better description. We publish no ratings or rankings; paid placements are labeled Featured.
- 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 make money
The directory is free for business owners. Factoring companies pay us for introductions; you never pay us. The full explanation is on How we're paid. In short, we earn money in three ways, and none of them changes the facts we publish about a company.
- Referral fees. When you request quotes, we connect you with a factor that fits. If you become its customer, the factor may pay us a fixed fee or a share of its revenue from the account, out of its own margin.
- 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 the facts or descriptions we publish about a company. We publish no ratings or rankings. Listing order may reflect commercial relationships, and paid or partner placements are labeled Featured or Sponsored; the facts we publish follow the same sourcing rules for every company. An affiliate relationship creates an incentive whether or not it changes any decision, so our answer is to 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. We will not change a fact 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 what we publish, 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 — to be added]
Write to us about a correction, a company responding to how it is described, 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 connect you with a factoring company that matches it; the factor quotes your terms. We are a referral partner, not a broker: we do not negotiate for you, take your application, 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.