Financial Solutions for North American Companies


Your Financial Solution: Invoice Factoring

Invoice factoring is a financial solution that companies use to increase their cash flow, by providing same-day funding on their accounts receivable.  The process works by selling your invoices to a factoring company, at a discount, in exchange for immediate cash.  When you factor with Scale Funding for Rochester accounts-receivable financing, we will provide same-day funding and competitive rates.

Companies in Rochester choose to use invoice factoring, also known as accounts-receivable financing, over business loans or business lines of credit because the approval process is quick, and we provide you the immediate cash you need to operate your business.

While business loans and lines of credit are common funding sources, Scale Funding stands out from the factoring companies in Rochester because our invoice factoring and accounts-receivable financing programs offer many benefits to companies that are tired of waiting to get paid by their slow-paying customers.

Rochester Invoice Factoring Programs

Business Loans & Lines of Credit

Receive quick approvals, in as little as 15 minutes Lengthy approval process
Funding is provided the same day Funding takes anywhere from 1 to 3 months
Cash flow gap from slow-paying customers is eliminated Difficulty with cash flow persists
No debt is created Debt is created on the balance sheet
Invoice Factoring line grows as your company grows Funding amount is capped
Free credit reports on your customers No credit services

Customized Programs to Fit Your Needs

rochester factoring companies

One of the many reasons companies choose Scale Funding over other factoring companies in Rochester and Minnesota is because we’re able to tailor our programs to fit the specialized needs of each business.

If slow-paying customers are causing you to wait and you need cash flow to pay your bills, meet payroll, invest in new equipment or anything else, we are here to help.

We’ve funded everything from start-ups, growing companies and even companies going through financial difficulties with our Rochester invoice factoring programs. Our financing solution is based on your customers’ credit rather than yours, so companies with less-than-perfect credit and  bankruptcies are still eligible to get the cash they need.


Since 1994, our Rochester factoring company programs have provided cash flow solutions to many industries.  Some of the industries we’ve funded include:

invoice factoring and accounts-receivable financing for government contractorsGovernment Contractors: local, state, federal, construction, security, defense and many more factoring for trucking companies and freight factoringTrucking & Freight: flatbeds, vans, hots shots, refrigerated trucks, intermodal, heavy hauling and many more
factoring for oilfield service companiesOilfield Services: drilling, frac sand hauling, water haulers, roustabouts, gravel haulers and many more invoice factoring and accounts-receivable financing for telecom and wireless contractorsTelecom & Wireless: cell tower contractors, wireless contractors, fiber optic installation and many more
invoice factoring and accounts-receivable financing for utility contractors and pipeline contractorsUtility & Pipeline: utility locators, pipeline construction, pipeline maintenance, sewer maintenance and many more heavy construction factoring & financeHeavy Construction: crane operators, welding, HDD, excavating, grading, equipment rental and many more
invoice factoring and accounts-receivable financing for technology companiesTechnology: security, IT solutions, network administration, website design, software development and many more invoice factoring and accounts-receivable financing for solar, wind, and renewable energy contractorsRenewable Energy: wind, water, solar, site preparation, site operations, contractors, construction and many more
Invoice factoring and accounts-receivable financing for staffing agenciesStaffing Agencies: temporary, healthcare, medial, administrative, clerical, general labor and many more Invoice factoring for other industriesOther Industries: welding, janitorial, wholesale, distribution, manufacturing, printing and many more

Rochester, MN


Located in southeast Minnesota, Rochester is often ranked as one of the best places to live in the United States. Although Rochester is not the largest city in Minnesota, it is home to the largest employer in the state, Mayo Clinic.


Various Native American tribes inhabited the area of present-day Rochester for thousands of years before the French came through in 1660. However, there were no permanent European settlements in the area until after 1853, when a treaty with the U.S. government forced the Sioux Indians to give their land to the Territory of Minnesota. After the treaty, Rochester became a stagecoach stop between St. Paul, Minnesota and Dubuque, Iowa. George Head was the first permanent settler in 1854, naming it after his hometown, Rochester, New York. Rochester was incorporated as a city in 1858 and experienced a significant rise in the population once the railroad came to the area.

Mayo Clinic

Mayo Clinic has been a vital part of Rochester for more than a century. When the army brought Dr. William Worrall Mayo to the city during the Civil War, he didn’t plan on starting a medical practice. In fact, he hadn’t originally planned on making Rochester his permanent home. However, after a devastating tornado hit in 1883, the Sisters of Saint Francis successfully convinced Dr. Mayo that the city needed a permanent medical facility and that he should be the one to lead it. With the help of donations, the Sisters of Saint Francis found a way to build the facility, and St. Marys Hospital opened in 1889.

St. Marys attracted a number of medical professionals that wanted to work with Dr. Mayo and, as a result, the hospital added laboratories and began to do research. The research and development at these early facilities laid the groundwork for many of the medical advancements that are used today. The medical team began to grow around the idea that collaboration would lead to innovation, a unique idea at the time. Today, in addition to a leading medical center, Mayo Clinic has its own educational institutions, research facilities, and technology, bringing to life the collaborative medical environment that Dr. Mayo once envisioned.

Life Sciences

Anchored by Mayo Clinic, the life sciences industry represents the largest sector of Rochester’s economy and it continues to expand. In fact, the city recently put into motion a 20-year economic initiative called Destination Medical Center, which will ensure the importance of this sector for a long time to come. The goal of the initiative is to make Rochester the world’s premiere destination for health and wellness. Destination Medical Center will create a concentration of state-of-the-art medical facilities, emphasizing the city’s strength in the industry. Over the next 20 years, Destination Medical Center will bring in more than $5 billion in private investment and create 30,000 new jobs.

In addition to the life sciences sector, this initiative will spur growth in other sectors, including construction and tourism. In order to support this grand initiative, major infrastructure will need to be built, not only for the facilities themselves, but also hotels, retail and residential areas to support them.


Technology has been a large part of the economy of Minnesota for more than a generation and Rochester is a large driver in the industry. In fact, after Mayo Clinic, IBM is the city’s second largest employer, employing about 2,500 people. IBM has had a presence in Rochester since 1956 when the company built some of its first manufacturing, educational and engineering facilities in the city. However, recent changes in the industry, including an emphasis on cloud technology, have reduced the number of facilities the company needs. As such, IBM announced that it was consolidating its buildings from 30 to 8. Although this may seem like a significant downsize, the company has reaffirmed its commitment to the city by making a large investment to upgrade its remaining buildings and create work spaces that encourage collaboration and innovation.

With such a large medical presence in Rochester, it’s fitting that a large part of the technology industry in the city also revolves around medical technology. In addition to advancements in medical care and procedures, Mayo Clinic runs its own technology program, which continually generates cutting edge technology in the health care field. One of its segments, Mayo Clinic Ventures, commercializes Mayo Clinic’s intellectual property, providing additional revenue streams for the company. In addition, Mayo Clinic runs a variety of seed funds, which help entrepreneurs and start-up companies bring their innovative ideas to life.