Business Finance Corporation

What Business Finance Corporation does

Business Finance Corporation (BFC) is a privately held, Las Vegas-headquartered financial services firm that provides invoice factoring and accounts receivable financing to small and medium-sized businesses across Nevada, Northern Arizona, Southern Utah, and Southern California. Founded in 2001 and led by President David Cabral, the company purchases creditworthy B2B invoices at a discount and advances 70%-80% of the invoice value to the seller, typically within 24 hours, holding the balance in reserve until the customer pays. Pricing is transaction-based, with a factoring fee of 3%-5% of the invoice amount plus modest setup and monthly maintenance fees, and there are no minimum factoring amounts, termination charges, or hidden fees. The core technology is the factoring workflow itself, supplemented by a third-party client portal hosted at winfactor.com for existing clients to manage accounts.

BFC's go-to-market is sales-led and relationship-driven, relying on direct outreach, free no-obligation phone and web consultations, client referrals, and active local community involvement through the Las Vegas Chamber of Commerce, the Rotary Club of Las Vegas Summerlin, and an advisory board seat on Nevada Public Radio held by David Cabral. The firm supplements sales with educational content marketing via a company blog. Beyond core factoring, BFC offers three add-on modules — Business Financing, Growth Management consulting, and Turnaround/Financial Restructuring Services — that broaden wallet share and provide advisory-level support to clients. The customer base is entirely SMB-focused and horizontally segmented across industries including television services, import/distribution, computer services, construction, manufacturing, and startups.

The business model is a pure transaction-fee revenue stream with no recurring subscription component, no platform fees, and no disclosed venture or private equity backing. BFC is a member of the International Factoring Association and states PCI DSS compliance posture for its payment flows. Cumulatively, the company states it has facilitated hundreds of millions of dollars in receivables financing over its operating history. The firm operates with a small team (1-10 employees) and a single headquarters office in Las Vegas, reflecting a stable, regionally focused niche operator rather than a scaling fintech platform.

Name

Business Finance Corporation

Legal name

Business Finance Corporation

Website

https://bfc.vegas

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

Business Finance Corporation is a Las Vegas-based invoice factoring firm that purchases creditworthy B2B invoices at a discount, advancing 70%-80% of value within 24 hours to small and medium businesses across Nevada, Arizona, Utah, and California since 2001.

Ownership category

akta.pro rank

Product category

Invoice Factoring Services

NAICS

Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD)

akta.pro secondary industries

Invoice Financing, Factoring & Receivables Management (FSAGAJAB), Invoice Financing & Factoring (FSAKAGAC)

Keywords

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

Headquarters

HQ city

Las Vegas

HQ country

United States

HQ region

North America

Offices2 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: The company earns revenue by purchasing creditworthy invoices at a discount. They charge a factoring fee typically ranging from 3%-5% of the invoice amount, plus a small setup fee and monthly maintenance fee. They advance 70%-80% of the invoice value upfront.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Business Finance Corporation purchases creditworthy invoices (accounts receivable) from business clients at a discount and advances 70–80% of the invoice value to the client within 24 hours. Pricing is structured as a 3–5% factoring fee, plus a flat setup fee and a flat monthly maintenance fee, with no hidden charges or termination penalties. The firm also offers ancillary business financing and growth management consulting built around the factoring relationship.

Product overview

Business Finance Corporation is a single-service financial company specializing in Invoice Factoring and Accounts Receivable Financing. The core product offering is invoice factoring, where the company purchases creditworthy business invoices at a discount, advancing 70%-80% of the invoice value within 24 hours. The company also offers related services including Business Financing and Growth Management as add-on modules, as well as Turnaround and Financial Restructuring Services for businesses needing operational assistance. The company does not appear to offer a platform-plus-modules architecture but rather focuses on its core factoring service with supplementary business advisory offerings.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Factoring (Accounts Receivable Financing)

Quantifiable outcome

• Funding available within 24 hours
• +2 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles2 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered minor.

• Las Vegas Chamber of CommerceminorOthersBusiness Finance Corporation is a member of the Vegas Chamber, providing visibility among local business community members and access to chamber resources and networking events.
• Rotary Club of Las Vegas SummerlinminorOthersBFC is an active member of the Rotary Club of Las Vegas Summerlin, participating in community service and local business networking.
• Nevada Public Radio (KNPR/KCNV)minorOthersBFC President David Cabral serves on the advisory board of Nevada Public Radio, demonstrating community involvement and thought leadership.
• Invoice Factoring Association (IFA)minorOthersMember of the International Factoring Association (ifa), demonstrating adherence to industry standards and best practices.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Riviera Finance: Established commercial finance company offering factoring, accounts receivable financing, and asset-based lending to SMBs. Closely mirrors BFC's product set and SMB target customer, with similar relationship-led sales motion but a much broader national footprint.
• Fundation: Provides working capital loans and lines of credit to SMBs, often against receivables. Comparable to BFC in serving the SMB working-capital gap, with a digital underwriting model that contrasts BFC's relationship-based approach.
• BlueVine: Fintech offering invoice factoring and lines of credit to SMBs via a digital platform. Directly comparable to BFC in product (invoice factoring) and customer segment (US SMBs), but competing on technology, speed, and geographic reach rather than regional relationships.
• Triumph Business Capital: Specialty finance company focused on transportation factoring with expansion into broader SMB factoring. Comparable to BFC in receivables-based lending model and SMB/government-contractor segments, with significantly larger scale.
• eCapital: Asset-based lender offering factoring, invoice financing, and working capital solutions to SMBs and middle-market companies. Directly competes with BFC on invoice factoring with a broader suite of products and a larger funded receivables portfolio.
• Fundbox: Provides invoice-based financing and working capital to SMBs through integrations with accounting and payroll platforms. Directly competes with BFC's factoring offering, particularly for SMB clients that prefer automated, API-driven onboarding.
• Paragon Financial Group: Provides invoice factoring and purchase order financing to SMBs across diverse industries. Directly comparable to BFC's product offering, customer profile, and relationship-driven sales motion.
• TCI Business Capital: Provides factoring, accounts receivable financing, and asset-based lending to SMBs across multiple industries. Directly comparable to BFC's product line and SMB/government-contractor focus, with national reach that BFC lacks.
• AltLine (by The Alta Group): Invoice factoring platform connecting SMBs with a network of factors. Directly competes with BFC by offering similar factoring products through a technology-enabled marketplace model, particularly attractive to SMBs seeking broader choice.

Emerging players

• Headway Capital: Online working-capital provider serving SMBs with revenue-based financing. Competes with BFC for SMB cash-flow demand, particularly for businesses that may consider factoring alternatives; differentiated by its online, non-collateralized structure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

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 Finance Corporation