top of page


Factoring, also known Accounts Receivable Financing, is the funding of your B2B invoices in advance. After funding you (the customer), we (the factor) collect payment on the invoices from your customers directly. It’s advantageous for you to choose factoring if you want to receive cash quickly, rather than waiting the duration of credit terms on an invoice.


A factor is essentially a funding source that agrees to pay the company the total of an invoice immediately, less a discount for commission and fees. Factoring helps companies improve their short term cash needs by selling their receivables in return for an injection of cash from the factoring company.  

There are three parties directly involved within a factoring transaction: the company selling its accounts receivables, the factor purchasing the receivables, and the company’s customer. The customer simply pays the receivable amount to the factor instead of paying the company.

1. Serve your customers

Sell your product or service, without worrying about your up front cost.

Serve your customer.png

3. JVM collects on the invoices

JVM will collect directly from the customer so you can go back to what you do best!

Website Icons 001.png

2. Submit invoices for funding

We will verify your invoices and approve for funding the next day.

Website Icons 003.png

4. Get funded with cash 

Take on more projects because you just increased your cash flow with the help of JVM.


  • As you grow, the amount of money you finance grows.

  • Factoring is not a loan so no new debt is assumed.

  • Regardless of your credit score – you can qualify for factoring. 

  • It can take less than 5 days to set up an account and funding can take place within 24 hours.

  • Minimal paperwork is required to start factoring

  • As you finance more money through factoring, your rates can be adjusted.

  • Factors provide credit reports and other information on your existing or potential customers.


Bank Loan

  • Borrowed money comes with a limit.

  • A loan is a debt. You repay principal and interest.

  • Qualifying for a loan requires a review of your company’s financials, assets, liabilities, and credit history.

  • Securing a loan or line of credit can take anywhere between 1 to 2 months.

  • Extensive paperwork, financial statements and personal information is required.

  • Your APR (annual percentage rate) is locked for the life of the loan. 

  • You manage your own credit policy with customers.


The company selling its receivables receives an immediate influx of cash. The cash generated from this sale helps fund business operations or improve working capital. Working capital is vital to companies since it represents the difference between short-term cash inflows (revenue) versus short-term bills or financial obligations (debt payments). Selling, some or all, of a companies receivables to a factor can help prevent a cash strapped company from defaulting on a loan, pay for inventory, equipment, additional employees, or any expenses related to operating and expanding your business. 

Factoring is best for companies in industries where it takes a long time to convert receivables to cash – and to companies that are growing rapidly and need cash to take advantage of new business opportunities. 





We factor invoices from all types of corporations.



Payroll Financing: 

Much like Accounts Receivable Financing, Payroll Financing provides businesses with outstanding invoices the necessary cash to pay their weekly payroll. This is an effective and popular way for businesses with labor as a large portion of their operating expenses. Visit our affiliate company, Payroll Friday, to learn more about your payroll-specific factoring options.





Purchase Order Financing: 

Much like Accounts Receivable Financing, Purchase Order Financing (PO Funding) provides businesses with purchase orders the necessary cash to pay their suppliers and smooth out cash flow. This is an effective and popular way for businesses to maintain projects without the heavy burden of low cash flow. 

JVM Capital can apply the FundingChoice method to your Purchase Orders and we can compete with most bank loan rates!


Truck Financing: 

We’ve got you covered whether your specialty is semi trucks, dump trucks, tow trucks or box trucks.

The Covid Virus ushered in one uncontested fact…Long Haul delivery is under added demand. Lenders pay attention to Market Movement. It is a specialty lender that finances long haul trucks. However, Semi Rig loan requests are now seeing a few new potential lenders. Contradictory? You got it!

Commercial truck financing is not simple, there are a lot of variables to consider. To lease or buy? How much should I finance?  One thing is certain – if you are in Colorado – we will get you a fair proposal – GIVE US A CALL. We have the answers for you!


Equipment Financing:

Need a bulldozer? Excavator? Backhoe? Skidsteer? JVM Capital can do it all for you. A new heavy machinery business can qualify for the purchase of an earth mover with offsetting collateral – usually deposits or additional equipment. We can help you get the financing you need for your heavy equipment.


We will help you answer all the questions you have regarding how big of a unit you need, how often will the unit be put to use, how much should you spend, etc. JVM Capital is founded by an experienced former investment lender and small business operator. We’ve been there. Take advantage of our experience and our approach to helping you and your business grow. We take the long view – we want you to be successful so we are here for you in the long run. 

Payroll Friday Gears final.png
bottom of page