Financial Solutions for North American Companies


Accounts Receivable Financing or Business Loans and Lines of Credit

factoring companies in PhoenixThree common forms of financing for businesses are accounts receivable financing, business loans and lines of credit. While these options provide funding for your business, there are many differences.

Accounts receivable financing, also known as invoice factoring, is when a company sells its receivables to a third party to receive immediate payment on the invoice. While many factoring companies in Phoenix offer these types of programs, Scale Funding is your top choice. We offer quick approvals, easy setup, competitive rates, high advances and most importantly, same-day funding on your receivables.

When a company chooses to finance with a business loan or line of credit, the setup and approval process is lengthy. Typically, it takes a few months before you receive the funding. Through our Phoenix invoice factoring lines, we companies with a free no-obligation quote in just 15 minutes and fund within 24 hours.

With a loan or a line of credit, it can be difficult to obtain more funding as it adds debt on your balance sheet. Scale Funding’s invoice factoring programs provide your company with endless growth opportunities as no debt is added. Our program volumes range from $50,000 a month up to $20 million a month.

Business Types

Through our many years of experience, we are proud to call ourselves industry experts in a variety of business sectors.

Oilfield Services Utility & Pipeline Trucking & Freight Telecom
Technology Staffing Agencies Government Contractors Renewable Energy
Heavy Construction Apparel Distribution Many More

Why Use Phoenix Accounts Receivable Financing Programs?

The main reason companies use our number-one rated factoring programs is cash need for their business. Our flexible programs provide steady cash flow to businesses in a variety of situations.

  • Industries with slow-paying customers
  • Start-up companies
  • Companies that are expanding
  • Bank turn-downs because of credit
  • Companies with tax problems
  • Bank workouts
  • Companies who filed for Chapter 11 Bankruptcy


factoring companies in PhoenixAccording to the most recent statistics from the U.S. Census Bureau, Phoenix, Arizona has a population of more than 1.5 million people. That makes Phoenix the sixth most populous city in the United States, after New York, Los Angeles, Chicago, Houston, and Philadelphia. Phoenix is also the capital city of Arizona and the most densely populated capital city of any of the 50 states.


For thousands of years, the land of Phoenix (as well as around it) was the home of a Native American culture known as the Hohokam. The area wasn’t settled as the city of Phoenix until 1867 when a Confederate Civil War veteran decided that it was an optimal spot for an agricultural community.

Today, the city is known for its hot and dry climate, due to its desert environment, which makes its agricultural history rather remarkable. The average temperature highs in the city top 100 degrees Fahrenheit for four months of the year (June through September), while three other months (April, May, and October) have average highs of 85 degrees or higher.

Despite these intensely hot temperatures, Phoenix did have its roots in the world of agriculture. Multiple rivers and tributaries bisect the city—features that helped farmers grow cotton, citrus, hay, and other key crops for decades.

Today, manufacturing, technology, and finance are the driving industries in Phoenix, with tourism also playing a vital role in the city’s economy. Software, aircraft components, computer products and other electronics, air conditioning equipment and more constitute some of the city’s biggest exports. Fortune 500 companies based in Phoenix include Avnet, Freeport-McMoRan Copper & Gold, Republic Services and PetSmart. Wal-Mart also has extensive operations in the area and is Phoenix’s second largest employer after the State of Arizona.


Phoenix is a hub for tourism—both for the state of Arizona and for the western United States. In 2014, the Phoenix Sky Harbor Airport was the 11th largest airport in the U.S. for total passengers. The Phoenix area sees some 10 million outside visitors each year. These tourists flock to Phoenix for its warm weather, particularly in the winter when daytime temperatures can still reach the high 60s or low 70s.

factoring companies in PhoenixThe entirety of Phoenix’s metropolitan area—known alternatively as “The Valley of the Sun”—is a draw for visitors, with the mild winters helping to make the whole region a resort destination. Top tourist attractions in the Phoenix area range from explorations of the Valley of the Sun and its many outdoor marvels to museums and sports. Camelback Mountain, South Mountain Park, and Piestewa Peak provide first-hand looks at Phoenix’s picturesque desert vistas.

The popular Musical Instrument Museum shows off instruments from some 200 different countries, examining how music varies from culture to culture. The museum also hosts instruments that have previously belonged to (and been played by) world-famous musicians, such as John Lennon of the Beatles, Elvis Presley, and Taylor Swift. Another famous museum, the Heard Museum, allows visitors to delve into the area’s deep and rich Native American culture and history.

Phoenix is also located about 220 miles south of the Grand Canyon National Park. Many visitors to Phoenix plan day trips, guided tours or flyover tours of the Grand Canyon. Numerous Grand Canyon day trip companies offer pickups from Phoenix hotels or rentals.


In addition to the numerous natural draws and museum attractions of Phoenix, the area is also home to several sports teams, universities, festivals, and other arts and leisure features. Phoenix is home to three major professional sports organizations: the Phoenix Suns, an NBA team, and the Arizona Diamondbacks, an MLB franchise and the NFL’s Arizona Cardinals (in Glendale, a Phoenix suburb). The Diamondbacks have won the World Series once, in 2001 when they beat the New York Yankees in a thrilling, down-to-the-wire seven-game series. The Phoenix Suns have never won an NBA Championship title, but won the Western Conference and advanced to the finals on two occasions, in 1976 and 2003. The Cardinals were founded in 1898 in Chicago as the Morgan Athletic Club and are the oldest continuously run professional football team in the U.S.

Professional sports teams aren’t the only reason that Phoenix receives attention for athletic events. The University of Phoenix Stadium (actually located in Glendale) is the home of the Fiesta Bowl, one of the six bowl games played annually as part of the College Football Playoffs. The Fiesta Bowl is the newest of the six bowl games, having originated in 1971.


The Phoenix area also plays host to numerous universities and colleges, including the University of Phoenix, the country’s largest for-profit university. The area’s largest university, meanwhile, is Arizona State University, located in Tempe rather than Phoenix. Tempe borders Phoenix and ASU has multiple campuses in Phoenix itself. Arizona State University typically ranks as one of the largest universities in the United States, regarding enrollment. It even topped the list for the 2012/13 school year. For the 2015/16 school year, ASU ranked sixth.

Music and Live Entertainment

Phoenix’s status as a major city, a major tourist destination, and a major epicenter of college study makes it an attractive touring market for musical artists, Broadway touring companies, and other high-profile entertainment. The area is also home to the Phoenix Symphony, while the cities of Phoenix, Tempe, and Mesa overlap to form a booming rock ‘n’ roll music scene. Over the years, numerous famous bands and artists have hailed from the region, including Jimmy Eat World, Gin Blossoms, The Format, The Meat Puppets, Dierks Bentley, Michelle Branch, Roger Clyne & The Peacemakers, and American Idol winner Jordin Sparks. Unsurprisingly, the area is home to several notable music venues, including both larger venues (the Ak-Chin Pavilion) and smaller ones (the Comerica Theatre).


The Phoenix area is also home to a plethora of different festivals, with their focuses ranging from food to beverages to comedy to live music and beyond. A top attraction each year is the Devoured Culinary Classic, an event at the Phoenix Art Museum where local chefs and culinary businesses show off their best dishes, desserts, beers, and wines. The festival offers attendees the opportunity to sample the best foods from local restaurants.

Other festivals in Phoenix or nearby areas include the Great American BBQ & Beer Festival (in Chandler, a major suburb of Phoenix), the Great Arizona Beer Festival (in Mesa), the Beer Olympics (in Tempe), the My Nana’s Best-Tasting Salsa Challenge (at Phoenix’s Steele Indian School Park). Then there’s the Check, Please! Arizona Festival (at Phoenix’s Margaret T. Hance Park) that attracts scores of visitors each year.

Over the years, the list of famous residents of the Phoenix, Arizona area has included the likes of legendary boxer Muhammad Ali. Also, professional baseball player Randy Johnson (who played for the Arizona Diamondbacks from 1999 to 2004, helping the team clinch its sole World Series victory), actress Emma Stone, iconic film director Steven Spielberg, U.S. Senator John McCain and many more.

One of the Phoenix area’s key bits of trivia is that it was the first place ever to sport the famous McDonald’s “Golden Arches.” Though not the first McDonald’s restaurant, the original Phoenix location (on North Central Avenue) was the first franchisee and the original spot of the now iconic symbol.