Financial Solutions for North American Companies


Invoice Factoring – The Quick Cash-Flow Solution

Invoice factoring, also known as accounts receivable financing, is a quick cash-flow solution for companies.

Scale Funding’s Stockton invoice factoring programs pay you the same day on your invoices rather than waiting for customer payment.

Unlike business loans and lines of credit, invoice factoring and accounts receivable financing eliminate the cash-flow gap. There are several other differences between the funding options.

Stockton Accounts Receivable Financing Programs

Business Loans and Lines of Credit

Fast Consultation and Quote Lengthy approval process
Funding increases as your business grows Funding limit is capped
Same-day cash Cash in weeks or months
No added debt Added debt
Low rates with no monthly interest fee Monthly interest fee dependent on your credit and financial history
Free customer credit checks No credit checks on customers

Why Choose Scale Funding Over Other Factoring Companies in Stockton?

Factoring Companies in StocktonWhile there are many factoring companies in Stockton, Scale Funding offers customized solutions which give us the ability to fund many different business sizes, stages and financial situations.

As long as you invoice other businesses, need quick cash and are waiting to get paid, we can help you.

From start-ups and growing companies to those with credit issues or financial struggles, we’ve provided a cash-flow solution to many businesses with our Stockton invoice factoring programs.


Our programs range from $50,000 to $20 million, giving almost any business size the option of funding with accounts receivable financing and invoice factoring.

Since 1994, we’ve helped a variety of industries with their cash flow including:

Telecom: wireless contractors, cell tower construction and maintenance, fiber optic installation and more Trucking and Freight: flatbeds, refrigerated trucks, intermodal, vans, heavy hauling and more
Oilfield Services: frac sand haulers, water haulers, gravel haulers, site preparation and more Technology: IT solutions, network administration services, consulting services, data migration and more
Government Contractors: local, state, federal, construction, security, defense, technology and more Staffing Agencies: general labor, administrative, clerical, healthcare, medical services and more
Renewable Energy: wind, water, hydro, site operations, maintenance, and contractors Utility & Pipeline: welding, pipeline construction, pipeline maintenance, utility locators and more
Heavy Construction: excavating, grading, HDD, crane operating, heavy equipment rentals and more Many More: janitorial services, manufacturing, distribution, wholesale and more

Stockton, California

Located in Northern California, about 80 miles east of San Francisco, Stockton is the county seat of San Joaquin County. With an estimated population of over 315,000 people, Stockton is the 13th largest city in the state.


Once part of a Mexican land grant, Captain Charles Weber purchased the area of present-day Stockton in the late 1840s and named it Tuleburg. The name quickly changed to Stockton in honor of Commodore Robert F. Stockton from the United States Navy, who claimed California for the United States during the Mexican-American War. The city’s location at the head of the San Joaquin River made it a strategic position for miners during the California Gold Rush in 1849 and led to a rapid population increase. After the Gold Rush, agriculture became Stockton’s primary industry and it was a leading producer of fruits, vegetables, and wine. The accelerated growth of Stockton’s agricultural industry was facilitated by the introduction of irrigation and the development of the Central Pacific Railroad in the region in 1870. With the completion of the river’s deepwater channel in 1933, the Port of Stockton became a major commercial port and naval supply port for United States Navy.

The economic boom at the beginning of the 21st century led to a wealth of optimism and inflated home prices in Stockton. This optimism caused the residents, as well as the city itself, to over-extend their finances. Consequently, Stockton was one of the cities that took the worst hit during the housing market crash in 2008. In fact, during this time Stockton’s housing prices declined over 70 percent and 1 in 10 families lost their home to foreclosure. The housing market crash was one of the factors that led Stockton to be the largest city in the history of the country to file for bankruptcy in October 2013 (although Detroit took their place soon after). After negotiating their debts, increasing sales tax by ¾ of a cent and completing a bankruptcy action plan, Stockton was able to exit bankruptcy in February 2015.


Factoring Companies in StocktonAs agriculture is one of the leading industries for San Joaquin County, it is also a very important contributor to Stockton’s economy. Almonds are one of the leading crops for the area. In fact, almonds alone make up for approximately 3 percent of San Joaquin County’s economy. Grapes are another important crop to the region, as the area has a significant wine production industry. Over 92,000 acres in the county are devoted to wine grapes and Stockton’s wine economy is on the rise. Stockton has a number of its own boutique and family-owned wineries and is also located about 20 miles from Lodi, which is known as the “Zinfandel Capital of the World.” One popular winery in Stockton is the Sorelle Winery, is a family-owned winery located at the historical Dodge Estate.


Stockton is an integral part of San Joaquin County’s full-service transportation network. The city has access to many major transportation routes and a variety of transportation options, making it a strategic distribution center. In addition to the Stockton Metropolitan Airport, Stockton is home to one of California’s two inland ports. The Port of Stockton is the second busiest inland port on the West Coast, next to Portland. The port’s location in the middle of one of the most productive agricultural regions in the United States makes it a very significant part of the economy. Not only does the Port of Stockton provide convenient shipping options, but it also provides approximately 4,500 jobs to the region and generates more than $4.9 million in tax revenue. It also has direct access to Interstate 5 and both the Burlington Northern Santa Fe transcontinental railroad and the Union Pacific railroad. With so many transportation options, Stockton is an attractive location for manufacturing companies. Two of the many manufacturing companies that call Stockton home are OHI Company, a custom fabrication company, and Stockton Tri Industries, Inc., which produces steel molding, among many other things.


Stockton is home to the University of the Pacific (UOP), a private university known for its strength in engineering and computer science. Through the CO-OP program at UOP’s School of Engineering and Computer Science, students have an opportunity to experience on the job training with some of the leading companies in the region. The CO-OP program also allows students to make invaluable connections within their desired industry and gain experience that will help make them highly desirable to future employers. Additional colleges and universities in Stockton include California State University, Stanislaus-Stockton Center, Humphreys College, and San Joaquin Delta College.