What Factor Finders does

Factor Finders LLC is a US-based invoice factoring broker network headquartered at 25101 Chagrin Blvd, Suite 250, in Beachwood (Cleveland), Ohio. Founded in 2012, the company operates a free intermediary service that matches SMBs with vetted factoring companies across its nationwide network, claiming to have facilitated over $3.9 billion in funding since inception. The core proposition is to convert unpaid B2B invoices into working capital, typically with funding decisions within 24 hours, advance rates of 80-90%, and ticket sizes from $5,000 to $5,000,000, without minimum volume requirements or long-term lock-in.

The company's product surface spans accounts receivable factoring, spot factoring, payroll funding for staffing agencies, purchase order financing, merchant cash advances, asset-based lending, and unsecured business loans, although Factor Finders itself does not underwrite or fund these facilities — it earns referral commissions from the underlying funder. Supporting tooling includes an online invoice factoring calculator, a "Funding Partner Quiz" for self-serve matching, and 24/7 online account reporting. Distribution is entirely digital: SEO and content marketing, organic social (Facebook, YouTube, X, LinkedIn), email, and a co-broker/referral program that pays a 50/50 lifetime commission split on submitted deals.

The go-to-market is sales-led with a strong content-marketing backbone. Target segments are verticalized — staffing, healthcare/medical providers, construction/contractors, trucking/transportation, government contractors, manufacturing, service businesses, and oil & gas — with additional emphasis on startups and bad-credit businesses turned away by banks. The business is privately held, bootstrapped, and operates from a small team (11-50 employees). Revenue mechanics are a take-rate (estimated ~5-10% of underlying factoring fees) earned on placements routed through the network, which is inherently transactional and yields low customer concentration but limited revenue predictability.

Name

Factor Finders

Legal name

Factor Finders LLC

Website

https://factorfinders.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Factor Finders is a US invoice-factoring broker network, founded in 2012 and headquartered in Beachwood, Ohio, that free-of-charge matches SMBs across multiple verticals with vetted factoring companies and earns referral commissions on placed deals.

Ownership category

akta.pro rank

Product category

Invoice Factoring Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163)

akta.pro primary industry

Invoice Factoring & Receivables Finance Brokerage (FSAEAEAO)

akta.pro secondary industry

Mortgage & Loan Introducers (Residential & Commercial) (FSAEAMAA)

Keywords

• Invoice factoring brokerage
• Accounts receivable financing
• Business cash flow solutions
• Small business funding
• Factoring company referrals

Headquarters

HQ city

Beachwood

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Broker Referral Commissions: Factor Finders receives commissions from factoring companies when deals are placed through their network. They offer a 50/50 commission split with co-brokers for the lifetime of referred deals, typically 5-10% of fees.
2. Network Connection Services: Free service to businesses seeking factoring; company earns from volume-based commissions paid by participating factoring companies in their network

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels9 records

Core offering

Factor Finders operates as a free invoice-factoring broker network that connects U.S. businesses with vetted factoring companies from a nationwide roster of funding partners. The firm does not itself provide capital; rather, it matches applicants with the most suitable funding partner based on industry, geography, and financial profile, then supports the engagement with online tools (Funding Partner Quiz, Invoice Factoring Calculator) and post-onboarding account reporting. It also runs a co-broker channel that splits commissions with accountants, financial advisors, ISOs, and other brokers who refer qualifying deals into the network.

Product overview

Factor Finders operates as an invoice factoring broker network that connects businesses with vetted factoring companies across the United States. The company does not directly provide factoring services but serves as an intermediary, matching businesses with the most suitable funding partner from its nationwide network. Their core offerings include Accounts Receivable Factoring, Invoice Factoring Solutions, Payroll Funding for staffing companies, Spot Factoring for selective invoice financing, Unsecured Business Loans, Purchase Order Financing, Merchant Cash Advances, and Asset-Based Lending. Since 2012, Factor Finders has facilitated over $3.9 billion in funding through its network of factoring partners, offering services with no minimum volume requirements and funding ranging from $5,000 to $5,000,000 with advance rates of 80-90%.

Differentiator

Problem solved

Functional benefit

Products and services

• Accounts Receivable Factoring Financing product accessed via Factor Finders' broker network in which businesses sell unpaid invoices (accounts receivable) to a factoring company. The factoring company purchases invoices based on customer creditworthiness, advancing 80%-95% of the invoice value at a discount rate of 2%-10% per 30 days. Factoring partners handle collections, credit checks, and ledger management. Suitable for businesses needing immediate working capital against customer credit and willing to factor recurring receivables.
• Invoice Factoring Solutions Comprehensive invoice factoring offering through Factor Finders' network, providing invoice submission, verification, funding, and collections support. Designed for businesses that want a turnkey invoice-financing workflow with funding decisions in as little as 24 hours, online account reporting, and access to a full suite of factoring services across industries.
• Payroll Funding Specialized invoice-based funding product available through Factor Finders' network, designed to bridge payroll cycles for staffing agencies and similar labor-intensive businesses. Advances cash against unpaid client invoices so the business can meet weekly or bi-weekly payroll obligations while waiting on customer payments. Suitable for staffing-agency owners and CFOs needing recurring, payroll-anchored funding.
• Spot Factoring Selective invoice factoring offering available through Factor Finders' network that lets businesses factor one invoice at a time rather than enrolling all receivables. Targets businesses with occasional cash-flow gaps or those testing factoring before committing to a full facility, with funding decisions in as little as 24 hours and no long-term contract or minimum volume requirement.
• Unsecured Business Loans Collateral-free business loan offering available through Factor Finders' partner network, structured for businesses that need working or growth capital without putting up real estate, equipment, or other collateral. Suited to small business owners who may not qualify for traditional SBA or bank loans but can demonstrate revenue and cash flow. Designed for short-to-medium term funding needs.
• Purchase Order Financing Funding solution made available through Factor Finders' network that helps businesses fulfill large purchase orders by financing the supplier cost. Allows businesses to take on volume they could not otherwise fund out of cash flow, with funding tied to confirmed purchase orders from creditworthy buyers. Suited to wholesalers, distributors, importers, and other order-driven businesses.
• Merchant Cash Advance Revenue-based advance offering available through Factor Finders' partner network that provides a lump sum of working capital repaid via a fixed percentage of daily or weekly card or bank receipts. Designed for businesses with strong card or ACH volume that need fast, non-traditional funding and can flex repayment with sales.
• Asset-Based Lending Secured lending line available through Factor Finders' partner network, underwritten against business assets such as receivables, inventory, equipment, or real estate. Provides revolving or term capital to small and mid-sized businesses with sufficient collateral but weak credit or uneven earnings, with funding tailored to the collateral profile.
• Co-Broker / Referral Partner Program Channel program that lets independent brokers, accountants, financial advisors, and ISOs submit their clients to Factor Finders and earn a 50/50 split of the commission the matched funding partner pays. Provides external referrers with a turnkey funnel into a vetted factoring network without underwriting or capital exposure.

Quantifiable outcome

• Funding decisions in as little as 24 hours after invoice verification
• +3 more outcomes

Named customers6 records

Segments9 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Co-Broker PartnerscoreGTM or Marketing PartnerFactor Finders operates a co-broker program where other factoring brokers and business referrers can submit deals. Commission splits are 50/50 for the lifetime of the deal, typically representing 5-10% of factoring fees. Partners provide referral information and Factor Finders handles all placement work using their extensive funder network.

Scale indicators3 records

Recent moves5 records

Expansion highlights6 records

Broad incumbents

• Fundbox: Direct SMB working capital and invoice financing platform. Competes with the same end-borrower for invoice-based funding but uses its own capital rather than a third-party broker network.
• BlueVine: Leading fintech offering invoice factoring, lines of credit, and business checking to SMBs. A scaled direct-to-borrower competitor that bypasses brokers entirely with embedded digital onboarding.
• Lendio: Large SMB loan marketplace connecting borrowers to a broad lender network including factoring partners. Serves the same customer base but spans a wider product set (term loans, SBA, lines of credit, equipment financing).

Direct peers

• Strategy Funding: SMB financing broker connecting business owners with factoring and alternative lending partners. Operates the same referral-based model and serves overlapping industries like staffing, construction, and transportation.
• ROK Financial: Alternative finance broker matching businesses with working capital, factoring, and MCA providers. Operates as an intermediary referral channel with a similar no-cost-to-borrower model.
• Factor Funding Co. Niche factoring broker focused on invoice factoring referrals across the US. Same free-to-borrower matching model, with commissions paid by the participating factoring company.
• SMB Compass: Multi-product SMB funding marketplace offering factoring, working capital, and equipment financing via a partner funder network. Competes directly for the same lead-flow through SEO and digital marketing.
• CapitalPlus: Factoring broker that matches small and mid-sized businesses with factoring companies across multiple verticals. Same intermediary business model and affiliate-referral revenue approach as Factor Finders.
• Business Factors & Finance: Factoring broker network serving similar staffing, manufacturing, and service-industry verticals with a multi-funder matching model. Operates on the same referral-commission revenue approach as Factor Finders.

Emerging players

• 8fig: E-commerce and SMB financing platform that combines funding with cash-flow planning tools. Targets a similar underserved SMB segment with technology-enabled matching and direct capital deployment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/factorfinders
• YouTubeyoutube.com/@FactorFinders
• Facebookfacebook.com/FactorFinders
• LinkedInlinkedin.com/company/factor-finders

Revenue estimate

Valuation estimate

Number of profiles

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 Factor Finders