What Makes the Best Invoice Factoring Company?
We take the Credit Risk & Factoring Pricing that Drops as You Grow.
One of few Employee-Owned A/R factoring companies.
Everyone you deal with at Bankers Factoring is an owner or is working towards the goal of ownership. Our people care just as much about their business as you care about yours. As fellow entrepreneurs and business owners, we are all in this together, trying to grow our companies the right way. That is one of the reasons we typically take the credit risk for our client’s accounts receivable financing. Even at 90-day business selling terms, it is the right thing to do.

The Success & Trust Factor at Bankers Factoring
Julius Bär always had a DNA, where people take responsibility, where people do not just fill their little boxes and try to do their job walking in at eight and walking out at five, but actually where job profiles are much larger, much deeper, are much more complex and interwoven.
People are used to managing independence but also enjoy that. Then I think it’s also a company where people still know each other. This also made it easier because there was this implicit element of trust that was just woven through the organization.
Philipp Rickenbacher, CEO Julius Bär, #3 Swiss Private Bank
Philipp’s quote really hits home with everyone at Bankers Factoring. We are all inquisitive, not afraid to ask the tough question and hold ourselves and our fellow owners accountable. Bankers Factoring people are learners. When you’re green, you grow; when you’re ripe, you rot. Bankers Factoring people stay green.
The five magic words at Bankers Factoring are: “I Can Only Change Me”. We all believe in personal accountability – taking responsibility for one’s actions, problems, need for training, and feelings instead of blaming others.
But most importantly, our people always have a choice. At Bankers Factoring, we remind each other that we always have a choice. Whether it is about expanding to new markets, launching a new factoring product, merging with another factoring company that fits our culture, or changing the way we do business, we always have a choice.
Instead of accepting the circumstances as inevitable, our owner-employees make choices that help us grow and thrive in the marketplace.
The Bankers Factoring Creed
Do our daily choices strengthen our balance sheet, make Bankers Factoring a stronger, safer company, and improve our client’s and our people’s lives? We are compensated for the risks we take because the finest tools and best people do not come cheap to get critical working capital to the not-yet bankable entrepreneur.
Chris Curtin, Bankers Factoring Founder
What do the three gold stars above the blue column signify in the Bankers Factoring Logo?
Strength, Safety & Guidance
- Strength with our unlimited working capital, your business can survive and thrive.
- Safety in that Bankers Factoring takes the credit risk.
- Let Bankers Factoring guide you through credit, cash flow, and growth issues.

The blue column (or white on a dark background) below the three gold stars represents the strong support Bankers Factoring provides you through your growth as an entrepreneur. We are excited to welcome you to the Bankers Factoring family.
Why does Bankers Factoring take the Credit Risk?
In life, there is only one thing worse than no sales, and that is making the sale and never getting paid. Of all the things you need to do to build a successful company, making credit decisions on your customers can be the most difficult.
You take care of your client’s needs and deal with us honestly, and we will supply you with unlimited working capital and credit protection.
Sadly, we have noticed through the years, whenever we decline an account debtor (your customer) for credit reasons, and our client sells them without credit protection from us, inevitably, our client takes a hit. Many times these losses have been fatal.
I like it that Bankers Factoring understands the nuances of my wine import business. The other factoring companies I talked to didn’t seem to grasp my specific needs.
Sara H, Wine & Spirits Importer
Factoring Fees that are Easy to Understand
We have seen contracts from other factoring companies and funding sources that even we can’t figure out what they are charging their clients. We take pride in the fact that you can compute your true cost of factoring on the back of a napkin.
We firmly believe that the forms of financing we offer can be safer than a line of credit at a bank factor and give you more working capital regardless of cost versus a small business loan. Bankers Factoring is cheaper than your credit card and much safer.
Factoring Rates & Fees that Drop as you Grow
Factoring pricing is based on your sales volume. But what happens if you are a start-up or fast growth? Why be locked into low sales pricing in a high sales company? Bankers Factoring has tiered-factor pricing to reward you for your growth with a lower cost of funds.
Does Bankers Factoring Harangue my Customers?
Never. The beauty of having your customer’s credit pre-approved is that we aren’t worried about when and if the payment is coming. We only trust and confirm that your customers are satisfied with your service or product’s quality, quantity, and timeliness. We look beyond your credit score and past business problems.
Our client’s customers often refer us to their other vendors needing working capital to make them stronger financially and a better provider of services. They would only do so if they appreciated our professional dealings with them and the famous Bankers Factoring light touch with account debtors (your customers).
Why choose Bankers Factoring? It is Trust & Confirms at Bankers Factoring, not Trust, But Verify.