J D Factors

What J D Factors does

J D Factors is a private North American accounts receivable factoring company founded in 2000 and headquartered in Palos Verdes Estates, California. It purchases open invoices from small and medium-sized businesses at a discount, providing cash within 24 hours of submission, and assumes the credit risk on those invoices through non-recourse factoring — a structural difference from the full-recourse model used by most competitors. The company targets SMB clients with monthly sales between $10,000 and $2 million across six verticals: trucking/transportation, staffing, wholesale/distribution, oilfield services, IT/telecom, and business services, with vertical-specific programs such as an automatic Fuel Discount Program for trucking clients.

The company's technology footprint is centered on ClientNet, an online platform that enables 24/7 invoice submission, account management, professional invoice generation, and credit checks against thousands of US and Canadian companies, and BrokerNet, a portal that lets broker and affiliate partners track referral status in real time. Underwriting, servicing, and collections operations are delivered through 13 offices across the United States and Canada, including a Canadian regional headquarters in Mississauga with bilingual (English/French) support. A California Finance Lenders Law license (603A970) and memberships in Secured Finance Network, International Factoring Association, and American Factoring Association underpin its regulatory standing in the commercial finance market.

J D Factors makes money by charging transaction-based fees on the invoices it purchases, with pricing customized by client monthly volume, advance-rate preference, and term commitment; both flat-fee and variable-rate pricing structures are offered, and no-term contracts with no minimums are available. Go-to-market combines direct field sales via Business Development Officers at each office, inside sales and a self-serve online application, and a referral channel through accountants, insurance providers, financial advisors, and webmasters. The company is privately held, led by Co-Presidents Bo Kelly and Matt Johnson, and shows no signs of outside institutional investment, M&A activity, or public-listing intent in the available data.

Name

J D Factors

Legal name

J D Factors

Website

https://jdfactors.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

101–250 employees

Short description

J D Factors is a private North American non-recourse accounts receivable factoring company serving small and medium-sized businesses ($10K–$2M monthly sales) across trucking, staffing, wholesale, oilfield, IT/telecom, and business services via 13 US and Canadian offices and online platforms.

Ownership category

akta.pro rank

Product category

Invoice Factoring / Accounts Receivable Financing

NAICS

Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Invoice Financing & Factoring (FSAKAGAC)

akta.pro secondary industries

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD), Invoice Financing, Factoring & Receivables Management (FSAGAJAB)

Keywords

• Accounts receivable factoring
• Invoice financing services
• Non-recourse factoring
• Small business lending
• Working capital solutions

Headquarters

HQ city

Palos Verdes Estates

HQ country

United States

HQ region

North America

Offices13 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Invoice Factoring Fees: Revenue generated through fees charged on factored invoices. The company purchases open invoices at an agreed-upon discount, with fees based on volume, advance rates, and term preferences. Offers both flat-fee and variable-rate pricing structures.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

J D Factors purchases open accounts receivable invoices from small and medium-sized businesses at an agreed-upon discount, delivering cash to the client's bank account within 24 hours of invoice verification under a non-recourse structure where the company assumes the credit risk. The offering is delivered as customized factoring programs across six vertical industries (trucking/transportation, staffing, wholesale/distribution, oilfield services, IT/telecom, and business services) and is supported by the ClientNet online management platform and a broker/affiliate referral channel through BrokerNet.

Product overview

J D Factors offers a single unified invoice factoring and accounts receivable financing platform. The core product is non-recourse factoring that enables businesses to convert unpaid invoices to immediate cash within 24 hours without credit risk. ClientNet serves as the primary online account management platform for clients to submit invoices and check credit, while BrokerNet provides the broker/affiliate referral network with real-time status tracking. Industry-specific programs (trucking, staffing, wholesale/distribution, oilfield services, IT/telecom, business services) build on the core factoring platform with tailored features such as the Fuel Discount Program for trucking clients.

Differentiator

Problem solved

Functional benefit

Brands

• ClientNet: Online account management platform for clients to manage accounts, submit invoices, and check credit on companies throughout the U.S. and Canada.
• BrokerNet

Products and services

• Invoice Factoring / Accounts Receivable Financing Core non-recourse factoring service enabling businesses to sell open accounts receivable invoices at an agreed-upon discount for immediate cash within 24 hours, with the company assuming customer credit risk. Targeted at small and medium-sized businesses across trucking, staffing, wholesale/distribution, oilfield services, IT/telecom, and business services.
• Custom Factoring Programs Tailored non-recourse factoring programs customized to individual business cash flow needs with flexible terms, transparent upfront pricing, choice of which invoices to factor, and no-term options. Built by Factoring Specialists in collaboration with each client.
• ClientNet Online Account Management Platform Online account management platform that enables J D Factors clients to manage their accounts, submit invoices, perform free credit checks on thousands of companies throughout the U.S. and Canada 24/7, and generate professional invoices.
• BrokerNet Partner Portal Online portal for brokers, financial advisors, accountants, insurance providers, and other affiliates to refer small to medium-sized business clients and track referral status in real-time with email notifications on lead status changes.
• Fuel Discount Program Fuel discount program automatically approved for trucking/transportation clients, providing guaranteed acceptance savings at the pump and fuel advances alongside factoring services.

Quantifiable outcome

• Cash for invoices within 24 hours
• +1 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered minor.

• Secured Finance NetworkminorOthersIndustry association membership providing credibility and networking opportunities within the commercial finance community.
• International Factoring AssociationminorOthersIndustry association membership providing industry resources, best practices, and networking within the factoring industry.
• American Factoring AssociationminorOthersIndustry association membership providing standards, resources, and credibility within the American factoring industry.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• BlueVine: US-based fintech offering invoice factoring and lines of credit to SMBs with digital onboarding. Direct competitor to J D Factors' core SMB factoring business, differentiated by API/bank integrations and faster automated underwriting.
• Fundbox: Fintech offering invoice-based financing and working capital lines to SMBs via a digital platform. Competes in the same SMB cash-flow financing category with a more technology-native delivery model.
• eCapital: Technology-driven alternative finance provider offering factoring and A/R financing to SMBs and mid-market companies in North America. Competes directly with J D Factors for SMB invoice factoring volume.
• Riviera Finance: Privately held factoring and A/R financing company serving SMBs across North America. Comparable in scale, product mix, and vertical coverage to J D Factors.
• TCI Business Capital: US factoring company providing non-recourse and recourse invoice factoring to SMBs across industries including staffing, transportation, and manufacturing. Direct competitor with similar product structure and SMB focus.
• TBS Factoring: Factoring provider focused on trucking and small business in the US. Comparable to J D Factors on customer profile and core invoice factoring product, with industry-specialized positioning.
• Apex Capital Corp: Trucking-specialized factoring company offering non-recourse factoring, fuel advances, and fleet cards. Direct peer to J D Factors' trucking vertical, with similar fuel-discount-style value-added services.
• AltLine (Interface Financial Group): Long-established invoice factoring franchise with a network model serving SMBs across multiple verticals. Closely comparable to J D Factors in product offering and target customer profile.
• Paragon Financial Group: US factoring company serving SMBs across multiple industries including staffing, transportation, and distribution. Direct peer in product offering, target market, and geographic footprint.
• American Receivable Corporation: Long-tenured US factoring company offering full-service A/R financing to small and mid-sized businesses. Comparable in product, target customer, and operating model to J D Factors.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/jdfactors
• Facebookfacebook.com/jdfactors
• LinkedInlinkedin.com/company/j-d-factors

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about J D Factors