A Breakthrough Factoring Company
Offering Factoring Programs Tailored
to Make You More Money 

Quick Continuous Cash Yes!
And You Also Get Our
Credit Risk Expertise
at No Additional Fee

Accurately assessing credit risk is really the essential
part of our factoring business. Few, if any, business clients
can perform this function as objectively as we will.

For no additional fee, we act as your credit
department for new and existing customers.
This provides you with a huge advantage over
in-house performance of these functions.

Consider the scenario where a salesperson has
a new account with a potential for large purchases.
The salesperson wants the business-so much so that
he or she may overlook red flags associated with credit
difficulties. The salesperson may even walk the
account through your own internal credit checking
procedures, in order to side step established controls.
While this may get you the sale, it won't get the money,
and with no money, there is no sale.

This will not happen with us. We make credit decisions
with full knowledge of the new customer's credit situation.
We will not buy the invoices of a poorly-rated customer
and risk nonpayment. But don't look upon our participation
as a tightening of credit to the extent that your business
will be affected in a way that is beyond your control.
If you have a new customer with questionable
creditworthiness, the decision to do business
with that person is still yours.
(However, we will reserve the right to say "I told you so!")

We may not buy those invoices, but you are still free
to extend credit terms as you see fit.
You remain in control
Whatever decisions are made, you can be assured that,
because of the factor's participation,you will be making
decisions and extending credit based on more complete,
objective and higher quality information than you have in the past.

We will fully research new clients and, equally important,
we will routinely check the credit ratings of your existing customers.
This contrasts greatly with most businesses,
where routine credit updates are seldom run on the
established customer base. This is  potentially a huge mistake.
When a business does opt to do a credit check,
it is usually too late and the problem is already out of hand.
On the other hand, we will inform you immediately
if there is a change in the credit status of
one of your existing customers.

In addition to the specific customer credit
information that we provide, you will have the
benefits of comprehensive, detailed reports on your
accounts receivables as a whole. As a part of the process
you will receive accounting, transactional details,
aging reports and financial management reports
that allow you to incorporate this data into
your own sales tracking, account history and in-depth analysis


We have more than 70 years of successful
cash flow and credit management experience we would love to put to work for you.

Call our factoring specialists at

Email Us

On-line Factoring Request Form

We Can Offer You What Others Can't

Unlike other factoring companies, our program includes the following features at no additional charge:

24 hour funding on approved invoices
Highest advance rates in the industry
Credit analysis on new and existing customers
Continuous collection management and follow up on    factored invoices
Invoice and statement mailing (postage included)
Account status inquiries anytime;
  24/7 online account access.
We allow you to electronically submit Invoices
Free credit checking on new customers at no   additional cost

 Personalized Service - you have one dedicated person   and his or her assistant who handle your account.  
  You don't have to start over each time you call
  with a new person
We are seasoned professionals with an average  of 11   years industry experience per account executive   
  (Well above the factoring industry norm)

Our flexibility allows you to maintain control:

You select accounts you prefer to factor on an invoice   by invoice basis.
You control total factoring costs by only factoring on an    "as needed" basis.

Up to 97% Advance Rates:

Advance rates are based on overall risk associated with a particular industry as well as experience and track record. We hold reserve accounts to accommodate industries which typically experience dilution and that we would otherwise not be able to service. Advance rates range from 80% to 97% of the gross invoice amount.

Fee Structures:

Fees are determined based on your industry, the credit worthiness of your customers, how quickly your invoices turn, and monthly factoring volume.

Call our factoring specialists at

On-Line Factoring Request Form

Are We Crazy?
Use No Other
Factoring Company
Until You Have Seen
Our Sensational Plans, including unique
97% Advance Rates

Call our factoring specialists at

Email Us

On-line Factoring Request Form

"Vital Force Factoring has always provided service above and beyond any other company I have dealt with. Our account manager gives us 100% and this is only ONE of the reasons we have chosen to stay with them."

-L.P., Vice President security services company

Why Factoring is Necessary
"A sale is not a sale until you collect the money"
Are you a part -time banker for your customers?
Take a look at your accounts receivable aging....

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Is Factoring For You?
The key to knowing if factoring is for you is to not to look only at the bottom-line factoring fee, but also to consider how your company may increase it's profits through factoring.

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Factoring Benefits
Receive money in as few
days as two to four days.

Maintain complete control
of your business.

Remove or lessen the business costs
associated with the collection process.

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