Jobe

What Jobe does

Jobe Services Inc. (operating as Jobe Factoring) is a privately held, non-recourse invoice factoring company founded in 1994 and headquartered in north Houston, Texas. The firm provides working-capital advances to small and mid-sized businesses whose customers pay on extended terms, purchasing their receivables and assuming the credit risk of buyer non-payment. Core offerings are organized into three vertical use-case segments (For Growth, For Operations, For Freight) and supplemented by done-for-you back-office services covering billing, collections, and credit checks on brokers and customers.

The underlying technology is a relatively conventional invoice factoring platform delivered through a web-based client portal and the Jobe Access mobile application (available on iOS and Android), where customers create accounts, submit invoices, and receive same-day funding upon approval. No APIs, SDKs, AI/ML features, or proprietary underwriting models are disclosed; credit decisions appear to be human-mediated. Distribution is direct: phone-led inside sales, the self-serve portal/app, content marketing via an articles-and-education hub, and an active organic social presence on Facebook, X, and LinkedIn.

Monetization is transaction-based: Jobe advances a percentage of invoice value upfront and retains the spread when the end customer pays. Pricing is quote-based and not publicly disclosed. The company claims 30+ years of operation and reports that 90% of customers have maintained 10+ year relationships, and holds membership in the American Factoring Association and International Factoring Association. Headcount is reported at 1-10 employees, and the company operates from a single Houston-area office with no disclosed funding rounds, acquisitions, subsidiaries, or institutional ownership.

Name

Jobe

Legal name

Jobe Services Inc.

Website

https://jsifactoring.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

Jobe Services Inc. is a privately held, non-recourse invoice factoring company based in north Houston, Texas, serving small and mid-sized U.S. businesses with invoice advances, billing, collections, and credit-check services across growth, operations, and freight verticals.

Ownership category

akta.pro rank

Headquarters

HQ city

Humble

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Invoice Factoring Fees: Jobe provides non-recourse invoice factoring services, earning fees on the invoices they purchase from businesses. The company advances a percentage of the invoice value upfront and collects the full amount from the customer's customers, with the difference representing their fee.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Jobe (Jobe Services Inc.) is a non-recourse invoice factoring company that purchases receivables from small and mid-sized businesses, advancing a percentage of invoice value upfront and collecting from the business's customers. The firm supplements its core factoring product with done-for-you back-office services including capital funding, billing, collections, and credit checks, and delivers these through a client portal and the Jobe Access mobile app.

Product overview

Jobe is a non-recourse invoice factoring company offering a unified financial services platform. The core product is invoice factoring, which provides fast, flexible access to cash flow without debt. This core is supplemented by done-for-you services including Capital (fast funding), Billing (invoicing management), Collections (debt recovery), and Credit Checks. The platform also offers tailored solutions segmented by use case: For Growth (expansion funding), For Operations (operational cash flow), and For Freight (trucking industry focus). Clients access services through a web-based Client Portal and mobile Jobe Access app available on iOS and Android.

Differentiator

Problem solved

Functional benefit

Products and services

• Non-Recourse Invoice Factoring Core factoring service in which Jobe purchases a business's accounts receivable, advances a portion of the invoice value (same-day funding available), and assumes the credit risk of the business's customers so the client is protected from customer default.
• Capital (Fast Funding) Standalone funding component within Jobe's done-for-you services, providing approved businesses with rapid access to working capital to cover operational expenses without waiting on slow-paying customers.
• Billing Services Outsourced invoicing service in which Jobe prepares and issues invoices on behalf of the client business, allowing the client to focus on operations rather than billing administration.
• Collections Management Outsourced receivables collection service in which Jobe pursues payment from the client's customers on outstanding invoices to accelerate cash receipt and reduce bad debt.
• Credit Checks Standalone credit verification service providing credit checks on the client's brokers and end customers to assess counterparty risk before extending trade terms.

Quantifiable outcome

• Same day funding available for submitted invoices
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered minor.

• American Factoring AssociationminorOthersIndustry association membership demonstrating commitment to factoring industry standards and best practices. Association provides credibility and networking within the factoring sector.
• International Factoring AssociationminorOthersIFA membership positions Jobe within the global factoring industry community. Association provides resources, training, and standards for factoring companies.

Scale indicators3 records

Recent moves3 records

Expansion highlights3 records

Direct peers

• Riviera Finance: Riviera Finance is a long-established non-recourse factoring company serving SMBs across the U.S. with a similar product mix (factoring, billing, collections) and trucking/mechanical vertical focus as Jobe.
• Fundbox: Fundbox offers invoice-based financing and working capital to SMBs through a digital application and quick funding. It directly competes with Jobe's factoring offering but targets a broader, tech-forward SMB audience with embedded integrations.
• TCI Business Capital: TCI Business Capital provides factoring and working capital solutions to SMBs, including freight and staffing verticals. It is comparable to Jobe in customer profile and product structure.
• Porter Capital: Porter Capital is a direct factoring company serving SMBs across the U.S., with a regional concentration in the Southeast. It offers similar non-recourse factoring and back-office services as Jobe.
• BlueVine: BlueVine is a fintech providing invoice factoring and working capital lines to SMBs. Like Jobe, it serves small businesses with cash flow needs, but does so via a fully digital, tech-enabled platform rather than a phone-led regional model.
• Triumph Business Capital: Triumph provides non-recourse factoring and fuel card services, with a strong focus on the trucking and freight vertical — directly overlapping with Jobe's 'For Freight' segment.
• altLine (The Interface Financial Group): altLine provides invoice factoring and alternative financing to SMBs, often through CPA and accounting partnerships. It is a direct competitor to Jobe targeting similar SMB segments with non-recourse-style products.

Broad incumbents

• eCapital: eCapital is a large, diversified alternative finance provider offering factoring, asset-based lending, and payroll finance. It competes with Jobe across multiple SMB verticals but operates at a much larger scale with institutional backing.
• Kapitus: Kapitus provides a broad suite of working capital solutions including invoice factoring, term loans, and equipment financing to SMBs. It overlaps with Jobe's factoring offering but serves a wider range of capital needs.

Others

• American Factoring Association: The American Factoring Association is the industry trade body of which Jobe is a member. It is thematically related as an ecosystem participant that sets standards and supports the factoring industry in which Jobe operates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/JobeFactoring
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/jobeservicesinc

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 Jobe