Financial Solutions for North American Companies


Get the Quick Cash Your Business Needs With Invoice Factoring

factoring companies in ModestoInvoice factoring is a financing solution companies use to speed up their cash flow. Invoice factoring, also known as accounts receivable financing, works by selling your receivables to a factoring company in exchange for cash. Instead of waiting for your customers to pay, the factoring company will pay you almost immediately, eliminating your cash-flow gap. You’ll have the working capital you need to pay your bills, meet payroll, invest in new resources and more.

There are many factoring companies in Modesto and California. But we at Scale Funding pride ourselves on being your number-one choice because of our same-day funding, low rates, competitive advances and more than 22 years of experience.

Invoice Factoring Compared to a Business Loan or Line of Credit

While both financing solutions can provide a business with cash, there are important differences between our Modesto invoice factoring programs and a business loan or line of credit.

Invoice Factoring Loans & Lines of Credit
 Quick quote process – as little as 15 minutes Lengthy approval process
 Same-day funding Funding in weeks or months
 Free credit checks on our customers No credit services
 Eliminates the cash-flow gap Cash-flow gap persists

Who Benefits from Accounts Receivable Financing?

While any company waiting to get paid from slow-paying customers could benefit from our Modesto accounts receivable financing programs, most turn to us because we provide the quick cash their business needs.

We’re able to fund companies ranging from start-ups to businesses in the expansion stage, and even those going through financial troubles, such as maxed-out credit, less-than-perfect credit or a bankruptcy. Our factoring programs are customized to fit your business needs, making us your top choice among factoring companies in Modesto and California.

Industry Expertise

Since 1994, Scale Funding has funded thousands of businesses throughout North America. Industries our team has experience with include:

 factoring for trucking companies and freight factoringTrucking & Freight: flatbeds, refrigerated trucks, intermodal, heavy hauling, specialty carriers and many more. invoice factoring and accounts-receivable financing for telecom and wireless contractors Telecom & Wireless: tower construction, tower maintenance, inspection, tower erectors, fiber optic installation and more.
 factoring for oilfield service companiesOilfield Services: site preparation, drilling, hydro-vac services, oilfield trucking, frac sand hauling and more.  invoice factoring and accounts-receivable financing for utility contractors and pipeline contractorsUtility & Pipeline: pipeline contractors, pipeline construction, utility locators, maintenance, welding, inspection and more.
 heavy construction factoring & financeHeavy Construction: crane operators, concrete contractors, excavating contractors, welding and more. invoice factoring and accounts-receivable financing for solar, wind, and renewable energy contractorsRenewable Energy: water, solar, wind, site preparation, site maintenance, site development and more.
 Invoice factoring and accounts-receivable financing for staffing agenciesStaffing Agencies: administrative, clerical, general labor, medical, healthcare and more. invoice factoring and accounts-receivable financing for government contractorsGovernment Contractors: local, state and federal.
invoice factoring and accounts-receivable financing for technology companies Technology: consulting, data management, IT services and more. Invoice factoring for other industriesOther Industries: manufacturing, printing, maintenance, distribution, security and more.

Modesto, CA

Located in the Central Valley, Modesto is the largest city in Stanislaus County, with a 2010 population of 201,165 and is surrounded primarily by farmland, earning it the Tree City USA award multiple times.


Modesto dates back to the 1860s when a railroad was constructed through San Joaquin to link the northern and southern parts of the state. Modesto was one of the towns that served as a stop on this railroad, which linked Sacramento in the north and Los Angeles in the south. The importance of Modesto, now the seat of the county of Stanislaus, began to increase with the arrival of the Central Pacific train, with the first one arriving in October of 1870.

The train enabled local farmers to transport their produce to the bay area. The city began to grow and prosper as a frontier town. In order to maintain order and forestall criminal activities, a secret vigilante group was established in the city. However, the San Joaquin Regulators, as the vigilante group was called, became violent in their approach, causing chaos in the town. During this period, the city also did not have any organized firefighters, giving fire outbreaks the ability to devour significant portions of the area. These two scenarios motivated locals to establish a centralized government. On August 6, 1884, Modesto incorporated. Its population at that time was above 1,000, but over time, it grew to become the largest city in Stanislaus County.

Initially, the founding fathers of the city wanted to name it Ralston in honor of William C. Ralston, a financier. But he declined the decision, requesting that another name be chosen. In recognition of his modesty, the name Modesto was chosen for the city in 1870.

factoring companies in Modesto

Wheat production boosted Modesto’s economy in the 19th Century.

From the middle of the nineteenth century towards its end, California experienced a boom in the agriculture industry. The wheat production increase boosted Modesto’s economy.

Between the census reports of 1890 and 1900, the population of Modesto decreased by 15 percent. Despite population decrease, its government carried out a number of projects, such as electrification of the area, construction of its first hospital in 1891, installation of the sewer and water system in 1892 and more. The completion of these projects helped to improve Modesto’s economy.

With a strengthening economy, more people came into the city. At the beginning of the twentieth century, more than 4,500 people were living in Modesto. The population of the city continued to grow by two percent every year, and by the beginning of the twenty-first century, the population had grown to 200,000 residents. Ultimately, the primary factors contributing to Modesto’s population and economy expansion included the boom in agriculture, which resulted in the increase in processing businesses, construction and expansion of roadways and highways, the advent of the automobile industry and growing interests in arts.


Agriculture is an important economic sector in Modesto. In addition to agriculture, Modesto is also home to a number of companies, such as E & J Gallo Winery, which is the largest winery in the world, DeRuosi Nut and Gallo Glass Company. There are also privately-owned businesses that contribute to the local economy. The major employers in the city are Memorial Medical Center, Modesto City Schools, City of Modesto, Modesto Junior College, Kaiser Permanente, Doctors Medical Center, Walmart, Save Mart Supermarkets, Sutter Gould Medical Foundation, Modesto Irrigation District and Sylvan Union School District. Despite being home to many public and private companies, Modesto’s unemployment rate of 8.8 percent is still higher than the national average.

Cultural and Arts Scene

There are a number of local organizations that own venues where plays, cultural events, and ceremonies are organized and staged. Some of the art organizations that support a lively cultural scene include the Central California Art Association, the Modesto Community Concert Association, The Gallo Center for the Arts, the over 80-year-old Modesto Symphony Orchestra and others. With these organizations, Modesto residents who have an interest in culture and arts have plenty of venues to choose from.

Events and Festival

In Modesto, events and festivals of different kinds are hosted year-round. Graceada Park comes alive during the summer period as it hosts the MoBand concert. Music lovers in Modesto will relish in the downtown band performances during the X Fest. The Chamber’s Oktoberfest event comes up during the fall season. Other events and festivals that draw crowds in Modesto are the Downtown Extravaganza, City of Lights Parade, the State of the Region Luncheons, the Business-to-Business Trade Show and the Annual Awards Dinner.

Shopping and Dining

Modesto has a strong retail industry, with over 40 shopping centers serving it. The Vintage Faire Mall, which is just one of the shopping locations in the city, has more than 115 shops and other commercial outlets.

Downtown Modesto has become the shoppers’ destination and the city’s cultural center for dining and entertainment because the friendly pedestrian streets in this part of the city are dotted with restaurants, storefronts, and supermarkets. Their farmer’s market is called Modesto Certified Farmer’s Market. The market has existed for more than three decades, offering an array of organic foods and other items.

Modesto is home to various kinds of dining establishments, including restaurants, pubs, bars, delis, coffeehouses, and others, making it foodie-friendly. Dining options include seafood, steak, local dishes, continental dishes, BBQ and pizza. Dishes from different heritages such as India, Asia, Mexico, the Mediterranean, and Italy are also served in some of these restaurants.