Invoice Factoring in Pennsylvania
Pennsylvania pairs a huge healthcare and education sector with legacy manufacturing and one of the East's busiest warehouse corridors. Here is how factoring fits and what the Department of State requires.
By Factor Connection Editorial Team · Updated
Factoring companies for Pennsylvania businesses
71 companies
Factor Connection may be paid by participating factoring companies when you request an introduction. Payment never changes the company information we publish.

1st Commercial Credit
Austin, TX
- Advance rate
- 80%–90%
- Minimum volume
- $10K a month
- Funding speed
- Within 24 hours
Is this your company? Claim this listing
48 Factoring Inc.
Philadelphia, PA
Is this your company? Claim this listing

ACS Factors
Upland, CA
- Minimum volume
- No minimum
- Funding speed
- Same day
Is this your company? Claim this listing

AeroFund Financial
San Jose, CA
- Advance rate
- Up to 98%
- Funding speed
- Same day
Is this your company? Claim this listing
- Advance rate
- 60%–85%
- Minimum volume
- No minimum
- Funding speed
- Within 24 hours
Is this your company? Claim this listing
altLINE
Birmingham, AL
- Advance rate
- 80%–90%
- Funding speed
- Within 24 hours
Is this your company? Claim this listing
American Bank Business Finance
Dallas, TX
- Funding speed
- Within 24 hours
Is this your company? Claim this listing
American Funding Solutions
Blue Springs, MO
- Advance rate
- 80%–90%
- Minimum volume
- No minimum
- Funding speed
- Within 24 hours
Is this your company? Claim this listing

American Receivable
Richardson, TX
- Advance rate
- Up to 95%
- Minimum volume
- No minimum
- Funding speed
- Within 24 hours
Is this your company? Claim this listing

AmeriFactors Financial Group
Celebration, FL
- Advance rate
- 80%–98%
- Funding speed
- Within hours
Is this your company? Claim this listing

Apex Capital Corp
Fort Worth, TX
- Minimum volume
- No minimum
- Funding speed
- Minutes, 24/7
Is this your company? Claim this listing

AR Funding
Greenville, SC
- Advance rate
- Up to 90%
- Funding speed
- Same day
Is this your company? Claim this listing
- Advance rate
- 80%–93%
- Minimum volume
- $25K a month
- Funding speed
- Same day
Is this your company? Claim this listing

Bay View Funding
San Jose, CA
- Advance rate
- 70%–90%
- Funding speed
- Within 24 hours
Is this your company? Claim this listing

Breakout Finance
McLean, VA
- Advance rate
- Up to 95%
- Funding speed
- Longer than 2 days
Is this your company? Claim this listing
Published terms at a glance
| Company | Advance | Fee | Minimum | Recourse | Funding speed | Contract |
|---|---|---|---|---|---|---|
| 1st Commercial CreditAustin, TX | 80%–90% | 0.69%–4% | $10K a month | Non-recourse offered | Within 24 hours | Contact for details |
| altLINEBirmingham, AL | 80%–90% | 1%–5% | Contact for pricing | Recourse | Within 24 hours | Contact for details |
| American Bank Business FinanceDallas, TX | Contact for pricing | Contact for pricing | Facility $250K–$10M | Contact for details | Within 24 hours | Contact for details |
| American ReceivableRichardson, TX | Up to 95% | From 0.8% | No minimum | Recourse and non-recourse | Within 24 hours | No long-term contract |
| Apex Capital CorpFort Worth, TX | Contact for pricing | Contact for pricing | No minimum | Recourse and non-recourse | Minutes, 24/7 | No long-term contract |
| Bay View FundingSan Jose, CA | 70%–90% | From 0.5% | Contact for pricing | Contact for details | Within 24 hours | Contact for details |
| Charter CapitalBellaire, TX | From 90% | 1%–3% | No minimum | Contact for details | Same day | No long-term contract |
| Crestmark (Pathward)Troy, MI | 80%–95% | Contact for pricing | Contact for pricing | Contact for details | Contact for details | Contact for details |
| Crown FinancialHouston, TX | 80%–90% | 1.4%–3% | No minimum | Recourse | Within 24 hours | Contact for details |
| Diversified Lenders Inc.Lubbock, TX | Contact for pricing | Contact for pricing | Contact for pricing | Contact for details | Same day | Contact for details |
| Flash FundingHouston, TX | Contact for pricing | Contact for pricing | No minimum | Recourse and non-recourse | Same day | No long-term contract |
| FundThrough | Up to 100% | 1.9%–2.9% | No minimum | Contact for details | Within 24 hours | Contact for details |
| Goodman Capital FinanceDallas, TX | Up to 90% | Contact for pricing | $10K a month | Contact for details | Same day | No long-term contract |
| Integra Funding SolutionsFort Worth, TX | Contact for pricing | Contact for pricing | No minimum | Recourse and non-recourse | Same day | Contact for details |
| Liquid CapitalCedar Park, TX | 80%–85% | Contact for pricing | No minimum | Contact for details | Within 24 hours | No long-term contract |
| nFusion CapitalAustin, TX | 75%–97% | 1.5%–3% | No minimum | Non-recourse offered | Same day | Contact for details |
| Porter CapitalBirmingham, AL | 80%–95% | From 0.4% | Facility Up to $25M | Recourse and non-recourse | Within 24 hours | Contact for details |
| Porter Freight FundingBirmingham, AL | Up to 95% | 1.5% | Contact for pricing | Recourse and non-recourse | Same day | Contact for details |
| Power Funding LTDHouston, TX | Up to 98% | Contact for pricing | No minimum | Contact for details | Same day | Contact for details |
| Quasar Capital PartnersCedar Park, TX | 85%–100% | Contact for pricing | No minimum | Contact for details | Within 24 hours | Month-to-month |
| Riviera Finance | Up to 95% | Contact for pricing | No minimum | Non-recourse offered | Within 24 hours | No long-term contract |
| Rosenthal & Rosenthal (Rosenthal Capital Group)New York, NY | Contact for pricing | Contact for pricing | Facility $500K–$40M | Recourse and non-recourse | Contact for details | Contact for details |
| Single Point CapitalHumble, TX | Contact for pricing | From 0.29% | Contact for pricing | Contact for details | Same day | Contact for details |
| Summar FinancialMiami, FL | 80%–90% | 1%–3% | No minimum | Recourse and non-recourse | Within hours | Contact for details |
| Universal Funding CorporationSpokane Valley, WA | Up to 95% | 0.55%–2% | $25K a month | Recourse | Within 24 hours | 12-month term |
| Viva Capital FundingEl Paso, TX | 98%–100% | From 0.25% | No minimum | Recourse and non-recourse | Same day | No long-term contract |
Published terms as recorded on each profile, with a source and date for every figure. Where a company hasn't published a term, contact it for pricing or details.
Factoring in Pennsylvania
Pennsylvania's single largest employment block is education and health services, at about 1,430,400 jobs in the Bureau of Labor Statistics' Economy at a Glance table for September 2026 (preliminary). That matters for factoring because hospitals, health systems and long-term care operators buy enormous amounts of contract labor, medical supplies and outsourced services, and they pay vendors on institutional schedules. Medical staffing agencies and service contractors carrying payroll while they wait on those payments are prime candidates for healthcare factoring or staffing factoring.
Freight is the next story. Trade, transportation and utilities employs about 1,132,800 Pennsylvanians, and the Lehigh Valley and the Interstate 81 corridor through Harrisburg and Carlisle have become dense warehouse districts serving East Coast population centers. Carriers, drayage operators and third-party logistics providers billing those distribution centers generate a steady flow of invoices, and many carriers factor to smooth cash between loads; our warehousing factoring overview covers the storage side.
Manufacturing remains substantial at about 559,200 jobs, from steel and metal fabrication in the west to food processing, chemicals and pharmaceuticals in the east. Construction adds about 262,900 jobs and professional and business services roughly 837,400. The western part of the state also has natural gas production in the Marcellus Shale region, where service contractors bill producers on extended terms.
Factors based in Pennsylvania
Pennsylvania has fewer home-grown factors than its freight and manufacturing base would suggest: two listed companies are headquartered here, 48 Factoring Inc. in Philadelphia and Funding Factoring Solutions in Bala Cynwyd, and we have not yet verified published terms for either, so neither appears in the comparison table. In practice Pennsylvania carriers, staffing firms and manufacturers work with the national factors, which fund in every state and are compared below. Three of the state's largest industries map to our industry pages: freight and trucking for the I-76, I-80 and I-81 corridors, manufacturing for the steel and machinery supply chain, and healthcare for the Philadelphia and Pittsburgh hospital systems. Use the wizard below to narrow the national list to factors that name your industry.
UCC filings in Pennsylvania
UCC records are filed with the Pennsylvania Department of State, Bureau of Corporations and Charitable Organizations. Its Uniform Commercial Code page says filings can be submitted through the department's Business Filing System website, but attachments cannot be uploaded online, so a financing statement that needs one must go on paper. The page lists filing fees of $84.00 per form for the financing statement, the amendment and the statement of claim, and a search fee of $12.00 per debtor name.
The UCC-1 is the factor's ownership notice. Article 9 governs sales of accounts as well as security interests, so a factor perfects its purchase by filing against your business. Because that filing determines priority, the factor will not fund until it has checked the record and filed its own statement.
Run a search on your exact entity name before you sign. Many Pennsylvania businesses have bank lines with all-asset liens, and a factor will require either a payoff or a subordination agreement covering the accounts it buys. Old financing statements from paid-off lenders should be terminated so they do not slow the process.
Pennsylvania law notes
A factoring agreement generally transfers ownership of invoices in exchange for a discounted price, which is why it is usually treated as a sale rather than a loan. That treatment depends on the deal's terms, so heavy recourse provisions deserve scrutiny.
Pennsylvania codifies Article 9 in Title 13 of the Pennsylvania Consolidated Statutes, Chapter 94 covering the rights of third parties. 13 Pa.C.S. § 9406, last amended in 2024, follows UCC 9-406. An account debtor notified of an assignment must pay the assignee, and a term in an agreement between an account debtor and an assignor is ineffective to the extent it prohibits, restricts or requires consent to the assignment. A health system's vendor agreement that bars assignment generally will not stop a supplier from factoring its invoices, although the factor must follow proper notice procedures.
No state-specific disclosure statute was identified as of November 2026 for commercial financing or factoring in Pennsylvania.
This is general information, not legal advice.
Major metro areas
Philadelphia and its suburbs are dominated by health systems, universities, pharmaceutical and life-science companies, and port and rail logistics on the Delaware River.
Pittsburgh combines hospital systems, robotics and software, engineering firms, and legacy metals and energy businesses tied to the region's gas production.
Allentown-Bethlehem and the Lehigh Valley are a distribution powerhouse with growing manufacturing.
Harrisburg, Carlisle and York sit on the Interstate 81 and 83 corridors, home to large warehouse operations, food manufacturers and state government.
Scranton-Wilkes-Barre and Erie add distribution, plastics and metal fabrication.
Frequently asked questions
How much does it cost to file a UCC-1 in Pennsylvania?
The Department of State lists $84.00 per form for a financing statement, the same for an amendment, and $12.00 per debtor name for a search request. Your factor normally pays its own filing fee, but check whether it passes that cost through as a setup charge. Our guide to hidden factoring fees lists others to ask about.
Can a Pennsylvania home care or staffing agency factor hospital invoices?
Generally yes, for invoices owed by facilities and businesses. Invoices billed to Medicare or Medicaid follow different federal assignment rules, so most healthcare factors treat government-payer receivables separately. Ask any prospective factor which payer types it buys before you apply.
Can I file a UCC amendment online if it needs an attachment?
Not through the online system. The Department of State says attachments cannot be uploaded for online UCC filings, so a financing statement requiring an attachment has to be submitted on paper. Plan for mail processing time if your factor's collateral description runs long enough to need an attachment, and confirm the filing date on the acknowledgment.
What factors serving Pennsylvania publish
- Published fee per invoice
- 0.25% – 5%
- 14 of 26 publish a figure
- Published advance
- 70% – 100%
- 19 of 26 publish a figure
- Same or next-day funding
- 24 of 26
- advertised on their own sites
- No monthly minimum
- 14 of 26
- 9 with no long-term contract · 12 offer non-recourse
Get matched with factoring companies in Pennsylvania
Three questions, matched from the factors we've profiled. Free; the factor quotes your terms and pays us for the introduction, never you.





