Business to Business Capital

What Business to Business Capital does

Business to Business Capital Corp (BTB Capital Corp) is a privately held, California-licensed invoice factoring company founded in 2002 and headquartered in Campbell, California. The company purchases outstanding accounts receivable from small and mid-sized businesses — primarily manufacturers, wholesalers, distributors, and service companies, with additional focus on staffing agencies, transportation/freight operators, and government contractors — advancing 80% of invoice value within 12-24 hours and releasing the remaining 20% (minus a fee starting at 2%) upon customer payment. Approval is based on the creditworthiness of the business's customers rather than the applicant's own financial history, positioning BTB Capital as an alternative to traditional bank financing for SMBs that are either thin-file or bank-ineligible.

The company's core product is a single invoice factoring service (also marketed as accounts receivable financing), supported by a basic 24/7 online portal for invoice submission, account monitoring, and payment tracking, plus a dedicated account manager model. BTB Capital also offers a Bank Transition Support program that works with a network of bank partners to graduate clients into traditional credit facilities when ready. Technology is intentionally minimal — the online portal is described as standard account management rather than a differentiated platform — and there is no evidence of algorithmic underwriting, AI/ML, or API-driven integrations.

Revenue is generated entirely through transaction-based fees on factored invoices, with a promotional 1% fee on first 30-day funding for new clients. The go-to-market is direct, primarily through the company's website (with an online application covering all 50 states), supplemented by phone and email outreach. The business is led by President Christine Baldan and Managing Director Greg de Vries, both with deep California factoring and entrepreneurial backgrounds. With 51-100 employees, no disclosed funding rounds, no acquisition activity, and 25+ years of continuous operation, BTB Capital appears to be a stable, sub-scale, founder/management-owned niche player rather than a high-growth fintech.

Name

Business to Business Capital

Legal name

Business to Business Capital Corp

Website

https://btbcapital.com

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

51–100 employees

Short description

Business to Business Capital Corp is a California-licensed invoice factoring company founded in 2002 that advances up to 80% of invoice value within 24 hours to small and mid-sized manufacturers, wholesalers, distributors, and service companies, charging transaction-based fees starting at 2%.

Ownership category

akta.pro rank

Product category

Invoice Factoring / Accounts Receivable Financing

NAICS

Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Working Capital Solutions (dynamic discounting, supply-chain payables/receivables) (FSABAIAJ)

akta.pro secondary industry

SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)

Keywords

• Invoice factoring services
• Accounts receivable financing
• Small business lending
• Working capital solutions
• Commercial financing

Headquarters

HQ city

Campbell

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Invoice Factoring Fees: BTB Capital generates revenue through factoring fees charged on invoice amounts. When a business factors an invoice, BTB advances 80% of the invoice value upfront and releases the remaining 20% (minus a small fee) once the customer pays. Fees start as low as 2% of the invoice amount depending on customer creditworthiness and time outstanding. New clients receive a 1% fee on their first 30-day funding.
2. Accounts Receivable Financing: Revenue generated from the spread between the advance rate (80%) and the reserve released (20% minus fee), plus the time-based financing fees for the period advanced funds are outstanding.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Business to Business Capital Corp (BTB Capital Corp) provides invoice factoring and accounts receivable financing to small and mid-sized businesses. Clients submit outstanding invoices and receive an 80% advance within 12–24 hours; the remaining 20% is released (minus a fee starting at 2%) once the customer pays. Approval is based on the creditworthiness of the business's customers rather than the applicant's financial history.

Product overview

BTB Capital Corp offers a single unified invoice factoring service, which encompasses accounts receivable financing, financial factoring, and invoice discounting as alternative names for the same core product. The company provides an online account management portal for 24/7 access and includes bank transition support for clients ready to move to traditional credit lines. The main offering is Invoice Factoring, where businesses submit invoices and receive up to 80% advance with the remaining 20% released upon customer payment minus fees starting from 2%.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Factoring Core service providing immediate cash flow by purchasing outstanding invoices at an 80% advance rate, with the remaining 20% released upon customer payment minus a small fee (starting at 2% of invoice amount). Designed for small and mid-sized manufacturers, wholesalers, distributors, and service companies needing working capital.

Quantifiable outcome

• Funded in as little as 24 hours
• +4 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Bank Partners (Network)coreStrategic or Co-development PartnerBTB Capital works with a network of banking partners to help businesses transition from invoice factoring to traditional bank credit facilities. When a business is ready for a traditional credit line, BTB supports the transition by working with these bank partners to make the process smooth.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• BlueVine: Fintech providing invoice factoring and working capital lines to SMBs via an online platform. Directly comparable in target customer (US SMBs needing cash flow against receivables) and product (factoring advances), though with a more digitized onboarding experience.
• Fundbox: SMB-focused fintech offering invoice-based advances and lines of credit. Competes with BTB for the same underserved SMB segment using customer-credit-based underwriting and rapid digital funding.
• Riviera Finance: Established invoice factoring and accounts receivable financing company serving SMBs across the US. Closely comparable business model (factoring, AR financing) and customer profile (manufacturers, wholesalers, distributors, service companies).
• TCI Business Capital: Specialist factoring company providing invoice factoring and AR financing to SMBs across multiple industries. Same product category (factoring receivables at 80%+ advance rates) and similar customer segments to BTB.
• AltLine (The Southern Capital Company): SMB invoice factoring provider offering working capital against receivables to small and mid-sized businesses across the US. Direct competitor with overlapping verticals (staffing, manufacturing, distribution, services).
• Behalf: B2B financing platform offering short-term working capital to SMBs based on receivables and customer credit quality. Directly comparable in serving underserved SMBs with receivables-backed financing.
• Fundation: SMB credit and working capital provider offering lines of credit and term loans to small businesses. Comparable customer segment and credit criteria, with overlap on receivables-backed working capital products.

Broad incumbents

• Triumph Business Capital: Larger, well-capitalized factoring and asset-based lending platform with broader product suite and national reach. Competes with BTB on factoring deals but serves a wider range of client sizes and structures.
• Citizens Bank (Commercial Banking): Large US commercial bank offering working capital lines, factoring, and treasury services to SMBs and middle-market companies. Competes with BTB's bank transition pathway and offers more comprehensive financing options at scale.
• American Express (Kabbage / Business Blueprint): After acquiring Kabbage, Amex offers SMB working capital lines and invoice-backed financing to small businesses. Provides broader competition to BTB with stronger brand recognition and deeper capital base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/176017632416890
• LinkedInlinkedin.com/company/business-to-business-capital-corp

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Business to Business Capital