21 Financial Solutions

What 21 Financial Solutions does

21 Financial Solutions is a privately held invoice factoring company headquartered in West Palm Beach, Florida, that provides working capital financing to small businesses across the United States. Its single core product advances 80–90% of an invoice's value to the client via wire transfer within 48 hours of application approval, with the remaining balance (less a fee) remitted to the client after the customer pays the invoice. The company serves primarily small companies — service firms and manufacturers that extend 30-day credit terms to their customers but face immediate expenses such as payroll — and positions itself as a flexible alternative to traditional bank lines of credit by imposing no contract term, no minimum volume, and no obligation to factor in future months.

Operationally, the company runs a low-technology workflow: clients submit applications and invoices via fax or email, receive physical documents via overnight mail for signature, and receive advances via wire transfer. There is no proprietary mobile app, no API, and no disclosed digital platform. The underlying capability is credit evaluation expertise applied manually to customer receivables, rather than automated or algorithmic underwriting. Customer onboarding — application to funded transaction — is designed to complete in 48 hours.

Revenue is generated entirely through transaction-based factoring fees on each invoice processed, with no subscription, recurring, or ancillary product revenue. Go-to-market combines a direct inside-sales motion (phone-based acquisition, website inquiries) with a nationwide independent broker referral channel that pays a 15% lifetime commission on all factoring fees collected from referred clients. The company is privately held with no disclosed investors, funding history, or financial performance, and operates with a headcount of 11–50 employees from a single Florida location.

Name

21 Financial Solutions

Legal name

21st Financial Solutions

Website

https://21stfinancialsolutions.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

21 Financial Solutions is a privately held invoice factor that advances 80–90% of invoice value via wire transfer within 48 hours to small US businesses needing working capital, distributing through direct sales and a nationwide broker referral network.

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), Loan Brokers (6163)

akta.pro primary industry

Invoice Financing, Factoring & Receivables Management (FSAGAJAB)

akta.pro secondary industries

Receivables Finance (Factoring, Invoice Discounting, Forfaiting) (FSABAHAD), Invoice Financing & Factoring (FSAKAGAC)

Keywords

• Invoice factoring services
• Accounts receivable financing
• Small business working capital
• Broker referral commissions
• Cash flow financing

Headquarters

HQ city

West Palm Beach

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, Others

Revenue model

1. Invoice Factoring Fees: Revenue generated through fees charged on factored invoices. When a client factors an invoice, 21st advances 80-90% of the invoice value immediately via wire transfer, collects payment from the customer when the invoice is due, retains the advanced amount plus a fee, and returns the balance to the client. This is a transaction-based revenue model driven by the volume of invoices factored.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

21st Financial Solutions provides invoice factoring services to small businesses across the United States, advancing 80-90% of invoice value to clients via wire transfer within 48 hours of application approval and remitting the balance after collecting from the end customer (minus a factoring fee). The company serves service companies and manufacturers that extend 30-day credit terms to customers but need immediate cash for expenses such as payroll, with no contract term or minimum volume commitment required. A nationwide broker referral program pays 15% commissions on factoring fees for the lifetime of referred accounts.

Product overview

21st Financial Solutions offers invoice factoring as its core product—a financing service that allows businesses to unlock cash tied up in accounts receivable by advancing 80-90% against unpaid invoices. The company provides flexible terms with no long-term contracts or minimums required. An associated broker referral program enables financial intermediaries to earn commissions by referring clients to the factoring service. The company positions itself as a financial partner rather than just a lender, emphasizing personal service and quick decision-making.

Differentiator

Problem solved

Functional benefit

Products and services

• Invoice Factoring

Quantifiable outcome

• Accounts receivable financing completed within 48 hours of application
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Independent Brokers (Broker Referral Program)coreChannel Partner/ Reseller/ Distributor21st Financial Solutions maintains a nationwide network of independent broker partners who refer small business clients for invoice factoring services. Brokers receive 15% commission on all factoring fees collected by 21st, payable monthly, for as long as the referred client remains active. The company emphasizes quick decision-making and sensitivity to broker-client relationships.

Scale indicators2 records

Recent moves3 records

Expansion highlights3 records

Direct peers

• TCI Business Capital: TCI Business Capital is a nationwide invoice factoring company serving small and mid-sized businesses. It is a direct competitor to 21st with a similar relationship- and broker-driven GTM.
• CAN Capital: CAN Capital offers working capital loans and invoice factoring to small businesses through a direct and broker network. It is a direct competitor serving the same underbanked SMB cash-flow needs.
• BlueVine: BlueVine is a leading online invoice factoring and small business banking platform that advances funds against receivables. It competes with 21st in the SMB invoice financing category, but with a fully digital, automated onboarding and funding experience.
• Riviera Finance: Riviera Finance is a nationwide invoice factoring provider focused on small and mid-sized businesses, offering non-recourse factoring and credit protection. It is a direct competitor with overlapping broker channels and SMB focus.
• Fora Financial: Fora Financial provides working capital and invoice factoring to U.S. small businesses via direct and broker channels. It competes directly with 21st for the same underbanked SMB segment with similar advance-rate products.
• Fundbox: Fundbox provides working capital to small businesses by advancing against unpaid invoices, integrated with accounting platforms. It is a direct competitor to 21st in the receivables-financing-for-SMBs market, differentiated by technology rather than personal service.
• Triumph Business Capital: Triumph provides factoring, asset-based lending, and treasury services to SMBs and middle-market companies nationwide. It is a direct competitor in invoice factoring with a larger balance sheet and broader product set.
• AltLine (by Axiom Bank): AltLine is an invoice factoring arm serving SMBs across the U.S. with similar advance-rate structures and a broker/relationship-led sales motion. It directly competes with 21st for SMB factoring volume and broker relationships.

Broad incumbents

• Funding Circle: Funding Circle is a small business lending platform offering term loans and lines of credit to SMBs. It is an adjacent competitor in SMB working capital, addressing similar cash-flow pain points but via term products rather than invoice factoring.
• Euler Hermes (Allianz Trade): Euler Hermes / Allianz Trade is the global leader in trade credit insurance and receivables management. It overlaps with 21st in receivables-related services but serves a much broader and larger client base with insurance rather than lending products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/21st-financial-solutions

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 21 Financial Solutions