Capital-Plus
Capital Plus is a Columbus, Ohio-based financial services firm specializing in invoice factoring and government contract finance, providing working capital solutions to government contractors and businesses nationwide. Founded in 1992, the company now operates as part of United Capital Funding.
- Company typePrivate
- Founded1992
- HeadquartersColumbus, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
What Capital-Plus does
Capital Plus, Inc. is a privately held financial services firm founded in 1992 in Columbus, Ohio, specializing in accounts receivable management, invoice factoring, and government contract finance. Its core products are invoice factoring services, which purchase outstanding business receivables to provide immediate working capital, and government contract finance, which advances funds against federal and state contract revenue streams. The company primarily serves government contractors facing long payment cycles, as well as general businesses nationwide with cash-flow gaps from delayed customer payments. Revenue is generated through transaction-fee pricing on factored receivables; specific rates, fees, and contract terms are not publicly disclosed, and prospective clients apply for personalized quotes through the company's website.
The firm operates a sales-led, business-to-business go-to-market motion, relying on direct enterprise sales via its website application portal, an existing-client login, and a referral program. Distribution is nationwide in scope, supported by content marketing, client testimonials, case studies, and earned media coverage in outlets including Columbus Dispatch, ForbesBooks Radio, Columbus CEO, and B2B Radio. Underlying technology is limited to a standard web presence and application interface; no proprietary technology platform, API, SDK, integrations, patents, or AI/ML capabilities are disclosed. Capital Plus currently operates with 1–10 employees and is now part of United Capital Funding following an acquisition/consolidation event, under which brand identity has been preserved as a legacy sub-brand while factoring and government contract finance operations continue.
Capital-Plus firmographics
Firmographics- Name
- Capital-Plus
- Legal name
- Capital Plus, Inc.
- Website
- https://capplus.com
- Company type
- Private
- Founded year
- 1992
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Capital Plus is a Columbus, Ohio-based financial services firm specializing in invoice factoring and government contract finance, providing working capital solutions to government contractors and businesses nationwide. Founded in 1992, the company now operates as part of United Capital Funding.
- Ownership category
- akta.pro rank
Capital-Plus industry classification
Industry- Product category
- Invoice Factoring & Working Capital Finance
- NAICS
- 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 (FSAKAGAC)
- akta.pro secondary industries
- Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF)
Keywords
Where Capital-Plus is headquartered
LocationHeadquarters
- HQ city
- Columbus
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Capital-Plus business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales
Revenue model
- Invoice Factoring Services: Revenue generated through invoice factoring and government contract finance services, providing working capital solutions to businesses by purchasing or financing accounts receivable.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels3 records
Capital-Plus product offering
Product offeringCore offering
Capital-Plus provides invoice factoring services and government contract finance solutions designed to deliver working capital to businesses. The company purchases its clients' accounts receivable and provides financing against government contract receivables, enabling customers to accelerate cash flow tied to commercial and government invoices. Services are tailored for business clients, particularly small and mid-sized companies that rely on government contracts as a primary revenue source.
Product overview
Capital Plus (now part of United Capital Funding) provides a suite of financial services focused on working capital solutions for businesses nationwide. The company's core offerings consist of Invoice Factoring Services and Government Contract Finance, which together address the funding needs of businesses with outstanding receivables and government contract revenue streams. The company celebrated over 30 years of service before merging with United Capital Funding.
Differentiator
Problem solved
Functional benefit
Products and services
- Invoice Factoring Services Capital-Plus purchases its clients' outstanding commercial accounts receivable at a discount, advancing immediate working capital and collecting payment from the end customer when the invoice matures. The service is offered to small and mid-sized businesses that need cash flow accelerated due to slow-paying customers.
- Government Contract Finance Capital-Plus finances receivables arising from U.S. federal, state, and local government contracts by purchasing those government invoices and advancing working capital to the contractor before the agency pays. The service targets small and mid-sized government contractors facing long agency payment cycles.
Companies that use Capital-Plus
Customer profileSegments2 records
Ideal customer profiles2 records
Capital-Plus technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Capital-Plus partnerships and signals
Strategic signalScale indicators1 record
Recent moves4 records
Expansion highlights3 records
Capital-Plus competitors and assessment
Company assessmentDirect peers
- Riviera Finance: Riviera Finance is a longstanding invoice factoring company serving small and mid-sized businesses across multiple industries. It offers working capital solutions comparable to Capital Plus's general invoice factoring service.
- eCapital: eCapital is a factoring and asset-based lending firm serving small and mid-sized businesses across industries. Provides comparable invoice factoring and working capital solutions to Capital Plus's customer base.
- TCI Business Capital: TCI Business Capital provides invoice factoring and asset-based lending to small and mid-sized businesses. It competes directly with Capital Plus in the working capital financing market.
- Porter Capital: Porter Capital provides invoice factoring and working capital lines of credit to small and mid-sized businesses. Directly comparable in service model, customer segment, and product offering to Capital Plus.
- Bay First Financial: Bay First Financial provides government contract financing and small business lending, with specific expertise in SBA lending and federal receivables financing. Directly competes with Capital Plus in the government contractor segment.
- Triumph Business Capital: Triumph Business Capital specializes in government contract financing and invoice factoring, with a similar niche focus to Capital Plus. Both serve government contractors and businesses needing working capital solutions against receivables.
- altLine (The Interface Financial Group): altLine is an invoice factoring franchise network serving small and mid-sized businesses. It provides comparable invoice purchasing services with a referral-based model that competes with Capital Plus's direct sales approach.
- United Capital Funding: United Capital Funding is the parent company of Capital Plus and offers the same core services (invoice factoring and government contract finance) nationwide. It is directly comparable as a factoring firm with the same product focus, customer base, and geographic reach.
Emerging players
- BlueVine: BlueVine is a fintech platform offering invoice factoring and lines of credit to small businesses with a fully digital, technology-led approach. Represents the technology-forward alternative to traditional factoring firms like Capital Plus.
- Fundbox: Fundbox is a digital platform offering working capital advances and lines of credit to small businesses, including invoice-based financing. Represents the technology-disruptive alternative to traditional factoring firms like Capital Plus.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights6 records
Customer concentration
Capital-Plus social profiles
Digital presenceCapital-Plus financial estimates
Financial estimateRevenue estimate
Valuation estimate
Capital-Plus leadership team
Management profileNumber of profiles
Capital-Plus funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Capital-Plus 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 Capital-Plus
What does Capital-Plus do?
Capital-Plus provides invoice factoring services and government contract finance solutions designed to deliver working capital to businesses. The company purchases its clients' accounts receivable and provides financing against government contract receivables, enabling customers to accelerate cash flow tied to commercial and government invoices. Services are tailored for business clients, particularly small and mid-sized companies that rely on government contracts as a primary revenue source.
Is Capital-Plus a public or private company?
Capital-Plus is a private company. It is classified as corporate owned and is currently operating.
When was Capital-Plus founded?
Capital-Plus was founded in 1992. It employs 1 to 10 people.
Where is Capital-Plus based?
Capital-Plus is headquartered in Columbus, United States, in the North America region.
How does Capital-Plus make money?
One revenue line is on record: invoice Factoring Services.
Who are Capital-Plus's main competitors?
Direct peers on record are Riviera Finance, eCapital, TCI Business Capital, Porter Capital, Bay First Financial, Triumph Business Capital, altLine (The Interface Financial Group) and United Capital Funding. Emerging players are BlueVine and Fundbox.
Does Capital-Plus have an API?
No public API is recorded for Capital-Plus.
What industry is Capital-Plus in?
Capital-Plus's product category is Invoice Factoring & Working Capital Finance. Its primary akta.pro industry code is FSAKAGAC, Invoice Financing & Factoring, with a secondary code of FSABAHAD, Receivables Finance (Factoring, Invoice Discounting, Forfaiting). Its NAICS code is 522 and its SIC code is 6153.