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Scale Funding

7600 Parklawn Ave, Suite 250, Edina, MN 55435

Primary product: Freight factoring

About Scale Funding

Scale Funding, formerly Provident Commercial Finance, is an invoice factoring company in Edina, Minnesota, backed by Scale Bank, that has funded businesses across the United States since 1994. It works with trucking fleets, freight brokers, staffing agencies, telecom contractors, oil and gas firms and manufacturers invoicing at least $50,000 a month. It offers advances of 80% to 90%, same-day funding, lines up to $10 million, month-to-month agreements, selective invoice factoring, dedicated relationship managers and a client portal.

Financial Products

  • Freight factoring
  • Spot (single-invoice) factoring
Minimum credit facility
Contact for details
Maximum credit facility
$10M

Industries Served

Featured Services

  • Dedicated account manager
  • No long-term contract
  • Single-invoice factoring
  • Same-day funding
  • Online portal

Standard Terms

Startup feeContact for pricing
Contract termMonth-to-monthSource, checked 2026-11-05
Advance rates80%–90%Source, checked 2026-11-05
Factoring feeContact for pricing
Minimum volume feesMinimum $50K a monthSource, checked 2026-11-05
Additional feesContact for pricing
ReservesContact for details
RecourseContact for details
Funding speedSame daySource, checked 2026-11-05

* Actual terms may vary. Your quote is set by the company for your volume and customers.

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