Porter Capital
Porter Capital is a privately held, Birmingham, Alabama-based financial services firm founded in 1991 that provides invoice factoring, accounts receivable financing, and asset-based lending (lines of credit up to $25 million) to small and mid-sized B2B businesses across North America across nine industry verticals.
- Company typePrivate
- Founded1991
- HeadquartersBirmingham, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Porter Capital does
Porter Capital Corporation is a private financial services company founded in 1991 and headquartered in Birmingham, Alabama, that provides working capital solutions to small and mid-sized B2B businesses across North America. Its core product suite is built around invoice factoring, accounts receivable financing, non-recourse factoring, and asset-based lending, with advances of 80-95% on eligible receivables, funding as fast as 24 hours, disclosed factoring fees of 1%-5% per month (low-end rates as low as 0.4%), and asset-based lending rates starting at 0.75% monthly. Credit facilities range from $50,000 to $25 million. The company layers industry-specific modules on top of these core products, with dedicated offerings for staffing and payroll, manufacturing, distribution, oil and gas, service companies, technology, government contractors, and consumer packaged goods. Porter Freight Funding operates as a wholly-owned subsidiary focused on transportation and trucking factoring, expanded through the 2024 merger with Pay4Freight, LLC.
The business generates revenue through transaction-based factoring fees on invoice values and recurring interest/collateral management fees on asset-based loans, with no disclosed subscription or technology licensing streams. Go-to-market combines a direct sales force (SVP Business Development Officers in Atlanta, Minneapolis, Boca Raton, and Birmingham) with a self-serve online application, a 15% commission referral partner program spanning banks, business advisors, investment firms, and specialty lenders, and content marketing through a blog and vertical landing pages. The company operates from six US locations (Birmingham headquarters plus Atlanta, Boca Raton, Miami, Minneapolis, Oklahoma City, and Texas) and reports approximately $1.7 billion in invoices funded in 2025, on pace to reach a $15 billion cumulative funding milestone by its 2026 35th anniversary. The platform is relationship-driven rather than technology-platform-driven: no proprietary AI, API, or SDK capabilities are disclosed, and the company's stated differentiators are 35-year track record, fast funding, high advance rates, no minimum credit score, and dedicated account executives.
Porter Capital firmographics
Firmographics- Name
- Porter Capital
- Legal name
- Porter Capital Corporation
- Website
- https://portercap.com
- Company type
- Private
- Founded year
- 1991
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Porter Capital is a privately held, Birmingham, Alabama-based financial services firm founded in 1991 that provides invoice factoring, accounts receivable financing, and asset-based lending (lines of credit up to $25 million) to small and mid-sized B2B businesses across North America across nine industry verticals.
- Ownership category
- akta.pro rank
Porter Capital industry classification
Industry- Product category
- Commercial Finance / Invoice Factoring
- NAICS
- Other Nondepository Credit Intermediation (52229)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Invoice Financing & Factoring (FSAKAGAC)
- akta.pro secondary industry
- Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)
Keywords
Where Porter Capital is headquartered
LocationHeadquarters
- HQ city
- Birmingham
- HQ country
- United States
- HQ region
- North America
Offices7 records
Markets served
Porter Capital business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Invoice Factoring Fees: Primary revenue stream from factoring fees charged on invoice values. Factoring fees typically range from 1% to 5% of invoice amount per month, based on payment terms, invoice volume, and accounts receivable risk profile. Fees are disclosed upfront with full transparency on all charges.
- Asset-Based Lending Interest: Revenue from asset-based loans and lines of credit. Interest charged on funds advanced based on asset value. Monthly asset-based rates start at 0.75%. Lines of credit up to $25 million available.
- Accounts Receivable Financing: Revenue from AR financing arrangements where businesses pledge receivables as collateral. Borrowing base of 70% to 90% of qualified receivables. Collateral management fee typically 1% to 2% charged against outstanding amount, plus interest on borrowed funds.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Invoice Factoring - Low Rate Tier |
| Subscription | Monthly | Asset-Based Lending |
| Transaction based/ take rate | Pay-as-you-go | Non-Recourse Factoring |
| Transaction based/ take rate | Pay-as-you-go | A/R Financing Qualification |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Porter Capital product offering
Product offeringCore offering
Porter Capital provides invoice factoring, accounts receivable financing, non-recourse factoring, and asset-based lending to small and mid-sized businesses across North America. The company advances 80%–95% of invoice values typically within 24 hours, charges factoring fees as low as 0.4% and asset-based rates starting at 0.75% monthly, and offers credit lines from $25,000 to $25 million with no minimum credit score requirement.
Product overview
Porter Capital is a working capital solutions provider offering a unified platform centered on invoice factoring and accounts receivable financing. The core product suite consists of Invoice Factoring, Accounts Receivable (A/R) Financing, Non-Recourse Factoring, and Asset Based Lending, which share a common funding infrastructure (advances of 80-95% on invoices, 24-hour funding, rates from 0.4%). Industry-specific modules layer on top of these core products to address vertical needs: Staffing and Payroll Financing, Manufacturing Financing, Distribution Financing, Oil and Gas Factoring, Service Company Financing, Transportation/Trucking Factoring (Porter Freight Funding subsidiary), Technology Company Financing, Government Contractor Factoring, and Consumer Packaged Goods Financing. A self-service Factoring Calculator tool complements the product suite. The company primarily serves small and mid-sized B2B businesses across North America.
Differentiator
Problem solved
Functional benefit
Products and services
- Invoice Factoring Core invoice factoring service enabling businesses to sell outstanding invoices for immediate working capital, typically advancing 80-90% of invoice value within 24 hours.
- Accounts Receivable Financing Accounts receivable financing providing capital advances based on outstanding receivables, typically advancing 70-90% of qualified receivables, with collateral management fees of 1% to 2% and interest on borrowed funds.
- Non-Recourse Factoring Factoring service where Porter Capital assumes credit risk if the business's customers default, protecting clients from insolvency-related losses on factored invoices.
- Asset Based Lending
- Porter Freight Funding Transportation-focused factoring subsidiary providing freight and trucking invoice funding for carriers needing immediate cash for fuel, maintenance, and driver payroll.
Quantifiable outcome
- 40% increase in project delivery capacity for AI consulting firm client
- +2 more outcomes
Companies that use Porter Capital
Customer profileNamed customers12 records
Segments9 records
Ideal customer profiles3 records
Porter Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Porter Capital partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Pay4Freight, LLCcoreStrategic merger completed in 2024 between Porter Capital Group and Pay4Freight, LLC to expand the transportation funding division, Porter Freight Funding. The merger added new talent, established a Texas office, and expanded Porter's portfolio, strengthening its market position in transportation funding.
Scale indicators6 records
Recent moves4 records
Expansion highlights5 records
Porter Capital competitors and assessment
Company assessmentDirect peers
- eCapital: Large non-bank alternative financier offering factoring, ABL, and AR financing to SMB and mid-market clients across multiple verticals — directly comparable to Porter Capital's product mix and target customer profile.
- AltLine (TAB Bank): Factoring arm of TAB Bank providing invoice factoring and AR financing to SMBs across staffing, manufacturing, and service industries — overlapping customer segments and product structure with Porter Capital.
- Riviera Finance: Established commercial finance company offering invoice factoring and ABL to SMBs across North America — directly comparable in services, target customers, and relationship-led distribution model.
- Triumph Business Capital: Factoring and ABL provider focused on SMBs in transportation, staffing, and manufacturing — head-to-head with Porter Capital's vertical mix and ticketing.
- LSQ: Technology-enabled invoice financing and AR management platform serving mid-market and SMB borrowers — competes in the same factoring/AR financing category with overlapping vertical focus.
- Fundbox: Digital SMB working-capital platform offering invoice-based financing and lines of credit — competes with Porter Capital on the smaller-ticket SMB end of the invoice financing market.
- BlueVine: SMB-focused fintech providing invoice factoring and lines of credit — directly comparable in customer profile and core product set, with a digital-first twist.
- TCI Business Capital: Factoring and asset-based lending provider for SMBs across staffing, manufacturing, distribution, and service industries — directly comparable business model and vertical mix to Porter Capital.
- Prestige Capital: Factoring company providing invoice financing and AR financing to SMBs — closely comparable in product offering and target customer size to Porter Capital.
- OTR Capital: Transportation-focused factoring provider serving trucking carriers — directly comparable to Porter Capital's Porter Freight Funding subsidiary and a benchmark for that vertical's economics.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Porter Capital social profiles
Digital presencePorter Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
Porter Capital leadership team
Management profileNumber of profiles
Profiles7 records
Porter Capital subsidiaries and ownership
Company hierarchySubsidiaries1 record
Porter Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Porter Capital M&A and investment
M&A and investmentM&A1 record
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Porter Capital
What does Porter Capital do?
Porter Capital provides invoice factoring, accounts receivable financing, non-recourse factoring, and asset-based lending to small and mid-sized businesses across North America. The company advances 80%–95% of invoice values typically within 24 hours, charges factoring fees as low as 0.4% and asset-based rates starting at 0.75% monthly, and offers credit lines from $25,000 to $25 million with no minimum credit score requirement.
Is Porter Capital a public or private company?
Porter Capital is a private company. It is classified as family owned and is currently operating.
When was Porter Capital founded?
Porter Capital was founded in 1991. It employs 11 to 50 people.
Where is Porter Capital based?
Porter Capital is headquartered in Birmingham, United States, in the North America region.
How does Porter Capital make money?
Three revenue lines are on record. Invoice Factoring Fees are the primary driver. The others are asset-Based Lending Interest and accounts Receivable Financing.
Who are Porter Capital's main competitors?
Direct peers on record are eCapital, AltLine (TAB Bank), Riviera Finance, Triumph Business Capital, LSQ, Fundbox, BlueVine, TCI Business Capital, Prestige Capital and OTR Capital.
Does Porter Capital have an API?
No public API is recorded for Porter Capital.
What industry is Porter Capital in?
Porter Capital's product category is Commercial Finance / Invoice Factoring. Its primary akta.pro industry code is FSAKAGAC, Invoice Financing & Factoring, with a secondary code of FSABAHAD, Receivables Finance (Factoring, Invoice Discounting, Forfaiting). Its NAICS code is 52229 and its SIC code is 6153.