Scale Funding
- Company typePrivate
- Founded1994
- HeadquartersEdina, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
Scale Funding firmographics
Firmographics- Name
- Scale Funding
- Legal name
- Scale Funding
- Website
- https://getscalefunding.com
- Company type
- Private
- Founded year
- 1994
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Ownership category
- akta.pro rank
Scale Funding industry classification
Industry- Product category
- Invoice Factoring
- NAICS
- Sales Financing (522220), Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Invoice Financing, Factoring & Receivables Management (FSAGAJAB)
- akta.pro secondary industries
- A2A Payouts & Disbursements (FSAMAFAG), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)
Keywords
Where Scale Funding is headquartered
LocationHeadquarters
- HQ city
- Edina
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Scale Funding 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: Fees charged on factored invoices based on advance rate (typically 90% upfront), reserve held until customer payment, and factoring fees calculated based on invoice size and customer payment timeline. Three common rate types: flat, tiered, and prime plus.
- Accounts Receivable Management Services: Back-office support services including integration with billing software, image archiving, and payment postings included with factoring service.
- Credit Analysis & Risk Assessment: Credit and payment information services to help clients assess financial criteria and reduce risk when working with new customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Standard invoice factoring with 90% advance rate |
| Transaction based/ take rate | Pay-as-you-go | Factoring lines from $50K to $20MM |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels8 records
Scale Funding product offering
Product offeringCore offering
Scale Funding purchases unpaid business invoices from B2B companies at a discount, advancing up to 90% of invoice value typically within 24 hours, and collecting from the end customer. The company provides complementary accounts receivable management, credit risk assessment on prospective customers, and payroll funding for staffing agencies, primarily serving trucking, staffing, oil & gas, telecom, and manufacturing businesses with month-to-month contracts.
Product overview
Scale Funding is an invoice factoring company offering a platform of accounts receivable financing solutions. The core offerings include Invoice Factoring (main product), A/R Management services, and Credit Risk Assessment. These are complemented by a portfolio of industry-specific factoring products including Trucking Factoring, Small Trucking Factoring (via Provident Commercial Finance), Staffing/Payroll Funding, Telecom Factoring, Oil & Gas Factoring, and Freight Broker Factoring. Additional services include Broker Referral and Strategic Partners Programs for channel partnerships, a Client Web Portal for account management, Anytime Funding for 24/7 access, and a Fuel Card Program for trucking clients. The company serves businesses across the United States with month-to-month contracts and factoring lines ranging from $50K to $20M.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- 90% of invoice value funded within 24 hours
- +3 more outcomes
Companies that use Scale Funding
Customer profileNamed customers10 records
Segments14 records
Ideal customer profiles7 records
Scale Funding technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature3 records
Scale Funding partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor.
- AACFB (American Association of Commercial Finance Brokers)minorIndustry association membership providing networking, credibility, and professional development for commercial finance brokers. Members include deal brokers who may refer clients to Scale Funding's factoring services.
- IFA (International Factoring Association)minorIndustry association membership for factoring professionals and companies. Provides industry standards, training, and networking opportunities for invoice factoring companies and brokers.
- ASA (American Staffing Association)minorIndustry association membership connecting Scale Funding with staffing agencies and industry professionals. Provides credibility in the staffing sector and access to industry research and best practices.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
Scale Funding competitors and assessment
Company assessmentDirect peers
- BlueVine: A leading online SMB invoice factoring and revolving line of credit provider targeting small businesses with B2B receivables—directly overlapping Scale Funding's core offering but with a fully digital UX.
- Fundbox: Provides working capital to SMBs based on outstanding invoices and recurring revenue; competes in the same SMB invoice-based financing category as Scale Funding.
- AltLine (by PMC Capital): Bank-partnered invoice factoring platform offering small-business factoring lines, often through community bank partnerships—closely parallels Scale Funding's bank-embedded distribution model.
- Triumph Business Capital: Specialized factor focusing on trucking, staffing, and other SMB verticals with non-recourse factoring and back-office services—direct competitor in Scale Funding's core verticals.
- Riviera Finance: U.S. invoice factoring and accounts receivable financing company serving trucking, staffing, manufacturing, and other SMB verticals with similar product structure.
- Apex Capital Corp: Largest U.S. trucking-focused factor offering freight bill factoring, fuel advances, and related services—direct competitor in Scale Funding's trucking vertical.
- eCapital: Technology-driven factor providing factoring, ABL, and working capital solutions to SMBs across multiple industries—competes directly in B2B factoring.
Broad incumbents
- Bibby Financial Services: Global invoice financing and factoring company serving SMBs across many industries and geographies—broader incumbent offering overlapping invoice factoring services.
Emerging players
- Breakout Capital: Emerging small-business factoring and invoice financing provider; smaller scale but with overlapping customer segments and product focus.
Regional players
- RTS Financial Services: Provides factoring and transportation services primarily to the U.S. trucking industry with a regional Midwest concentration—comparable trucking-focused factor.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Scale Funding social profiles
Digital presenceScale Funding compliance and trust
Trust signalCompliance1 record
Scale Funding financial estimates
Financial estimateRevenue estimate
Valuation estimate
Scale Funding leadership team
Management profileNumber of profiles
Scale Funding funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Scale Funding 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 Scale Funding
What does Scale Funding do?
Scale Funding purchases unpaid business invoices from B2B companies at a discount, advancing up to 90% of invoice value typically within 24 hours, and collecting from the end customer. The company provides complementary accounts receivable management, credit risk assessment on prospective customers, and payroll funding for staffing agencies, primarily serving trucking, staffing, oil & gas, telecom, and manufacturing businesses with month-to-month contracts.
Is Scale Funding a public or private company?
Scale Funding is a private company. It is classified as corporate owned and is currently operating.
When was Scale Funding founded?
Scale Funding was founded in 1994. It employs 51 to 100 people.
Where is Scale Funding based?
Scale Funding is headquartered in Edina, United States, in the North America region.
How does Scale Funding make money?
Three revenue lines are on record. Invoice Factoring Fees are the primary driver. The others are accounts Receivable Management Services and credit Analysis & Risk Assessment.
Who are Scale Funding's main competitors?
Direct peers on record are BlueVine, Fundbox, AltLine (by PMC Capital), Triumph Business Capital, Riviera Finance, Apex Capital Corp and eCapital. Bibby Financial Services is listed as a broad incumbent. Breakout Capital is listed as an emerging player. RTS Financial Services is listed as a regional player.
Does Scale Funding have an API?
No public API is recorded for Scale Funding.
What industry is Scale Funding in?
Scale Funding's product category is Invoice Factoring. Its primary akta.pro industry code is FSAGAJAB, Invoice Financing, Factoring & Receivables Management, with a secondary code of FSAMAFAG, A2A Payouts & Disbursements. Its NAICS code is 522220 and its SIC code is 6153.