Why we do this

Most working capital in this country is not stuck because businesses are badly run. It is stuck because of timing. Net terms are normal, both sides agree to them, and they are how business to business trade works. But somebody still has to carry the gap between doing the work and getting paid for it, and that somebody is the company that did the work.

We built BZKNEES FACTORING to sit in that gap. We buy the receivable, you get the cash, and the thing that was stopping you from taking the next order stops stopping you. That is the entire product.

What makes us different

Three things, and none of them are price. We are not going to be the cheapest quote you get, and if the cheapest quote is what you want, take it.

We underwrite your customers, not your credit score. Traditional lending looks backward at your financials. We look at who owes you money and whether they pay their bills. A young business with a slow start and strong commercial customers is exactly the profile we are built for, and it is exactly the profile a bank declines.

You get a person. Not a portal, not a ticket queue, not a relationship manager who covers four hundred accounts. When your customer’s AP department calls with a question about a remittance, a human answers, and that human knows your account. It sounds like a small thing until the day it is not.

We will tell you no. There is a chart on this website whose entire job is showing you when factoring is a bad idea. We put it there on purpose. A client who signs up for the wrong reason leaves in four months and tells people it was a ripoff, and they would be right to. We would rather do fewer deals that work.

Veteran owned

BZKNEES FACTORING is a veteran owned small business. What that means in practice is a bias toward doing what we said we would do, on the timeline we said we would do it, and telling you early when something is going sideways instead of hoping you do not notice.