CapFlow Funding Group
CapFlow Funding Group is a private alternative finance firm offering invoice factoring and working capital solutions to small and mid-sized US and Canadian businesses. Products include traditional factoring, spot-factoring, lines of credit, micro-factoring, and revenue-based financing, with 24-48 hour funding.
- Company typePrivate
- Founded2009
- HeadquartersRutherford, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What CapFlow Funding Group does
CapFlow Funding Group LLC is a private US-based alternative finance company headquartered in Glen Rock, New Jersey, founded in 2009 and operating with 11-50 employees. The firm provides invoice factoring and working capital solutions to small and mid-sized businesses across the United States and Canada, addressing cash flow gaps caused by 30-90 day B2B payment terms that limit access to traditional bank financing.
The company's core offering is invoice factoring — purchasing outstanding receivables at a discount (typically an 80% advance) — supplemented by a broad product suite that includes FactorLOC (a borrowing-base line of credit with 90-day aging requirements), mFactor (micro-factoring for businesses with $25K+ monthly revenue and 3 months of payment history), Second Position Factoring, Revenue-Based Financing, Credit Card Advance, and PO Financing. In November 2025, CapFlow launched FactorOne, a spot-factoring product that funds individual invoices within 24-48 hours. The platform is positioned around consultative inside sales, a self-serve web application, partner referrals, and content marketing rather than proprietary AI-driven underwriting.
CapFlow generates revenue through transaction-based factoring fees of approximately 1-4% of invoice value (typically ~3%), priced according to volume, debtor creditworthiness, and recourse structure. The company reports having provided over $1 billion in working capital to thousands of US businesses, with no disclosed equity funding beyond a $10 million AloStar credit facility arranged in 2016. Ownership and management structure are not publicly disclosed, and the firm operates as a privately held LLC with no parent company or institutional investors identified in available materials.
CapFlow Funding Group firmographics
Firmographics- Name
- CapFlow Funding Group
- Legal name
- CapFlow Funding Group LLC
- Website
- https://capflowfunding.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- CapFlow Funding Group is a private alternative finance firm offering invoice factoring and working capital solutions to small and mid-sized US and Canadian businesses. Products include traditional factoring, spot-factoring, lines of credit, micro-factoring, and revenue-based financing, with 24-48 hour funding.
- Ownership category
- akta.pro rank
CapFlow Funding Group industry classification
Industry- Product category
- Alternative Business Financing
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Invoice Financing & Factoring (FSAKAGAC)
- akta.pro secondary industries
- Invoice Financing, Factoring & Receivables Management (FSAGAJAB), Merchant Cash Advance (MCA) & Revenue-Based Financing (FSAKAGAD)
Keywords
Where CapFlow Funding Group is headquartered
LocationHeadquarters
- HQ city
- Rutherford
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
CapFlow Funding Group business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Invoice Factoring Fees: CapFlow earns fees on invoices factored, typically approximately 3% of invoice value. The company purchases outstanding invoices at a discounted rate and provides businesses with immediate working capital (typically 80% advance)
- Factoring Service Fees: Fees for factoring services range from approximately 1% to 4% of invoice value depending on volume, customer creditworthiness, and whether recourse or non-recourse structure
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Invoice Factoring for businesses with $75K-$25MM monthly revenues |
| Transaction based/ take rate | Pay-as-you-go | mFactor Micro-Factoring for $25K+ monthly revenues |
| Transaction based/ take rate | Pay-as-you-go | Revenue-Based Financing for $5,000+ monthly revenues |
| Transaction based/ take rate | Pay-as-you-go | Second Position Factoring for $50K-$25MM monthly revenues |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
CapFlow Funding Group product offering
Product offeringCore offering
CapFlow Funding Group provides alternative business financing, primarily invoice factoring and working capital solutions, to small and mid-sized businesses. It purchases outstanding accounts receivable at a discount (typically advancing 80% of invoice value) and charges factoring fees of approximately 3% per invoice. Specialized offerings include FactorLOC (factoring line of credit), mFactor (micro-factoring), Second Position Factoring, FactorOne (spot factoring), revenue-based financing, credit card advance, and PO financing.
Product overview
CapFlow Funding Group offers a comprehensive suite of alternative business financing solutions centered on invoice factoring and working capital products. The core offering includes Invoice Factoring as the primary service, supplemented by specialized factoring variants (FactorLOC for lines of credit, mFactor® for micro-factoring, Second Position Factoring, and FactorOne for spot/single invoice factoring). Additional products include Revenue-Based Financing, Credit Card Advance, and PO Financing. The company targets small and mid-sized businesses with monthly revenues starting at $25,000, providing funding typically within 24-48 hours through a consultative, non-debt financing approach.
Differentiator
Problem solved
Functional benefit
Brands
- FactorOne – Spot Factoring: Spot-factoring solution for single invoices, providing instant working capital for small and mid-sized businesses with 24-48 hour funding.
- mFactor®: Micro-Factoring
- FactorLOC: Factoring Line of Credit
Products and services
- Invoice Factoring Core service allowing B2B businesses that invoice other businesses to sell their outstanding accounts receivable for immediate working capital. Designed for businesses generating $75K to $25MM in monthly revenues with a minimum of 6 months of payment history.
- FactorLOC: Factoring Line of Credit Flexible capital secured based on asset value providing on-demand working capital access with a borrowing base line. Requires receivables aging of 90 days or less.
- mFactor: Micro-Factoring Micro-factoring solution for smaller working capital needs, requiring minimum monthly revenues of $25K and minimum 3 months of payment history with debtors.
- Second Position Factoring Factoring arrangement placed behind a 1st position lien, allowing businesses to optimize cash flow without disrupting pre-existing financing. For businesses generating $50K to $25MM in monthly revenues.
- FactorOne – Spot Factoring Spot-factoring solution for individual invoices, providing instant working capital for single invoice transactions with funding typically available within 24 to 48 hours. Targeted at small and mid-sized businesses in logistics, manufacturing, and professional services.
- Revenue-Based Financing Working capital financing for businesses with a business bank account, 6+ months in business, monthly revenues over $5,000, and 3 months of bank statements.
- Credit Card Advance Alternative financing option for businesses requiring working capital, with capital sent to vendors within 24 hours.
- PO Financing Purchase order financing enabling businesses to fulfill customer orders more efficiently. Requires valid, verifiable purchase orders to qualify.
Quantifiable outcome
- Funding available within 24-48 hours from approval
- +3 more outcomes
Companies that use CapFlow Funding Group
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles3 records
CapFlow Funding Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
CapFlow Funding Group partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Trusted Partners (Alternative Financing)minorCapFlow works with trusted partners to offer a variety of alternative financing options beyond their core invoice factoring services. These partnerships allow them to provide funds for businesses requiring financial services other than their primary offerings.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
CapFlow Funding Group competitors and assessment
Company assessmentDirect peers
- BlueVine: BlueVine provides invoice factoring and working capital lines specifically to SMBs, with rapid online approvals and a similar product set including factoring and lines of credit. It is one of CapFlow's closest digital-first competitors in SMB receivables financing.
- Fundbox: Fundbox offers SMB working capital and invoice-based advances to small businesses via a fintech platform, with instant decisions and integrations into accounting software. Comparable in customer segment (SMBs needing cash flow relief) and product mechanism (advances against receivables).
- altLine (formerly altLine by Thryv): altLine provides invoice factoring and small business financing through a network of regional partners, directly competing for the same SMB factoring customers as CapFlow. Operates a hybrid direct/channel model similar to CapFlow's partner referral motion.
- Riviera Finance: Riviera Finance is a longstanding invoice factoring company serving SMBs across multiple verticals with recourse and non-recourse factoring. Comparable product suite, customer size band, and consultative sales model to CapFlow.
- Apex Capital Corp: Apex Capital is a factoring specialist focused on the trucking and freight industry, providing invoice factoring and fuel advances to carriers. Direct competitor in CapFlow's logistics/trucking vertical with similar non-recourse factoring economics.
- Universal Funding: Universal Funding provides invoice factoring, lines of credit, and working capital to SMBs across industries including staffing, manufacturing, and services. Overlaps CapFlow on customer profile (SMBs, $50K-$25MM revenue band) and product offerings.
- TCI Business Capital: TCI Business Capital provides invoice factoring and asset-based lending to SMBs and mid-market companies across logistics, manufacturing, and staffing verticals. Comparable customer base and factoring product set to CapFlow.
- Breakout Capital: Breakout Capital provides small business financing including factoring, revenue-based financing, and working capital lines. Targets similar SMB customers with non-bank financing needs, overlapping with CapFlow's revenue-based financing product.
Broad incumbents
- OnDeck: OnDeck is a broader online SMB lender offering term loans and lines of credit to small businesses, using technology-driven underwriting. While not factoring-specific, it competes for the same alternative-financing customer and overlapping working capital wallet.
- CAN Capital: CAN Capital provides working capital, small business loans, and merchant cash advances to SMBs across the U.S. Operates in the same alternative financing space and serves overlapping SMB customers with cash-flow-driven funding needs.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
CapFlow Funding Group social profiles
Digital presenceCapFlow Funding Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
CapFlow Funding Group leadership team
Management profileNumber of profiles
CapFlow Funding Group funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CapFlow Funding Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CapFlow Funding Group
What does CapFlow Funding Group do?
CapFlow Funding Group provides alternative business financing, primarily invoice factoring and working capital solutions, to small and mid-sized businesses. It purchases outstanding accounts receivable at a discount (typically advancing 80% of invoice value) and charges factoring fees of approximately 3% per invoice. Specialized offerings include FactorLOC (factoring line of credit), mFactor (micro-factoring), Second Position Factoring, FactorOne (spot factoring), revenue-based financing, credit card advance, and PO financing.
Is CapFlow Funding Group a public or private company?
CapFlow Funding Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was CapFlow Funding Group founded?
CapFlow Funding Group was founded in 2009. It employs 11 to 50 people.
Where is CapFlow Funding Group based?
CapFlow Funding Group is headquartered in Rutherford, United States, in the North America region.
How does CapFlow Funding Group make money?
Two revenue lines are on record. Invoice Factoring Fees are the primary driver. The others are factoring Service Fees.
Who are CapFlow Funding Group's main competitors?
Direct peers on record are BlueVine, Fundbox, altLine (formerly altLine by Thryv), Riviera Finance, Apex Capital Corp, Universal Funding, TCI Business Capital and Breakout Capital. Broad incumbents are OnDeck and CAN Capital.
Does CapFlow Funding Group have an API?
No public API is recorded for CapFlow Funding Group.
What industry is CapFlow Funding Group in?
CapFlow Funding Group's product category is Alternative Business Financing. Its primary akta.pro industry code is FSAKAGAC, Invoice Financing & Factoring, with a secondary code of FSAGAJAB, Invoice Financing, Factoring & Receivables Management. Its NAICS code is 522 and its SIC code is 6153.