Financial Solutions for North American Companies


Best Funding Solution for Your Company

Making the right choice for your funding solution is critical for your business. You need to make sure you have enough cash flow to keep up with daily operations.

While many look to banks for business loans or lines of credit, others choose invoice factoring, also known as accounts receivable financing.

Our Memphis invoice factoring programs work by selling your receivables in exchange for instant cash, with a competitive advance on the total invoice amount. Once you customer pays the invoice, we remit the remaining balance, minus a small percentage for our services.

There are many differences between invoice factoring and business loans and lines of credit. Below are just a few.

Invoice Factoring

Business Loans & Lines of Credit

Quick, 15 minute approval process Lengthy approval process
Qualify based on your customers’ credit Qualify based on your credit
Same-day funding 1-3 months for funding
No monthly interest Monthly interest
No debt created Creates debt
No limits Amount is capped
Eliminates cash-flow gap from slow-paying customers by paying you same-day on invoices You’ll still have a cash-flow gap due to slow-paying customers
Free credit reports on your customers No credit services

Get the Cash You Need

factoring companies in MemphisNo matter what your current situation is, our flexible programs make it possible for us to work with a variety of businesses. This is why many choose Scale Funding over other factoring companies in Memphis.

Our accounts-receivable financing programs eliminate the cash-flow gap caused from slow-paying customers. From start-ups to well-established companies that are growing rapidly, our programs can help speed up cash flow.

Companies going through financial difficulties also work with us as they’re unable to obtain sufficient or any funding from a bank. We work with those that have less-than-perfect credit, maxed-out credit and even bankruptcies. When the bank says, “no,” we say “yes.”


Since 1994, we’ve helped a variety of industries through our Memphis accounts-receivable financing programs.

invoice factoring and accounts-receivable financing for telecom and wireless contractorsTelecom: cell tower installation, antenna maintenance, tower erectors and more factoring for oilfield service companiesOilfield Services: water haulers, frac sand suppliers and haulers, site preparation and more
invoice factoring and accounts-receivable financing for utility contractors and pipeline contractorsUtility & Pipeline: pipeline construction, pipeline maintenance, utility services and more heavy construction factoring & financeHeavy Construction: excavating, HDD drilling, grading, environmental services and more
factoring for trucking companies and freight factoringTrucking & Freight: flatbeds, reefers, vans, intermodal, hotshots, heavy haulers and more invoice factoring and accounts-receivable financing for government contractorsGovernment Contractors: state, local and federal
Invoice factoring and accounts-receivable financing for staffing agenciesStaffing Agencies: medical, healthcare, administrative, clerical, general labor and more invoice factoring and accounts-receivable financing for solar, wind, and renewable energy contractorsRenewable Energy: site preparation, solar energy, wind energy, hydropower and more
invoice factoring and accounts-receivable financing for technology companiesTechnology: IT services, data migration, network administration, security and more Invoice factoring for other industriesMany More: manufacturing, printing, distribution, apparel, service providers and more


factoring companies in MemphisThe birthplace of rock n’ roll, Memphis, Tennessee has both the history and entertainment that you would expect from such a notable city. For being a few states away from the coast, Memphis’ weather is very reasonable for the eastern side of the country. The winter months stay relatively warm with only a handful of snowfalls throughout the season, and then before you know it will warm up to a nice average of the 80s in the summer months. This means that you get a nice taste of all the seasons without having to commit to the very uncomfortable extremes experienced by other regions of the country. It is the largest city on the Mississippi River, encompassing a massive 324 square miles. The downtown rises up from the Mississippi River and the city spills over into to Arkansas and Mississippi. It boasts of multiple beautiful parks all set against the background of our America’s biggest and most important river.


Memphis is rich in history and has contributed significantly to American culture. The city was originally inhabited by Native Americans who were probably drawn to the location because of the bluffs that overlooked the water. Since they could have ready access to a large river yet still have protection from flooding, this made the area an ideal place to inhabit. This premium location was also recognized by future president Andrew Jackson and some other entrepreneurs. They realized how successful a city could be with major means of natural transportation running right through it. The name Memphis can even be roughly translated as “place of good abode”. The city eventually boomed thanks to its key location and cotton business, which would become one of the largest producers in the world during its time.

Rock N’ Roll

Memphis is best known as the birthplace of rock n’ roll and perhaps the nation’s most iconic singer and “King of Rock n’ Roll,” Elvis Presley. One of the most talented performers in America, Presley wooed millions with his music and acting. Growing up he was exposed to a wide range of music genres such as country, pop, gospel. The biggest influence on his individual style was the time he spent on Beale Street, which was full of black R&B. Drawing from such a diverse base he was able to develop a new style of music that challenged stereotypes and helped usher in a new wave of entertainment. He was known across the globe and left a permanent mark on American history. There have been many other famous musicians such as Aretha Franklin and Johnny Cash that also jumpstarted their career from Memphis, and Justin Timberlake was born and raised in the city. There have been various other genres such as Gospel and southern soul that find their roots in Memphis, furthering the city’s musical contribution and significance.

Some of the greatest literature of our time is based in this iconic city such as the Pulitzer Prize winner A Summons to Memphis and other well-known stories like The Silence of the Lambs by Thomas Harris and William Faulkner’s The Reivers. Not surprisingly, Memphis has also produced an impressive number of popular writers such as Shelby Foote and Peter Taylor with many other Pulitzer Prize winners who cite their time in Memphis as an integral part of who they are and their work.

What to do

As expected from such a cultured city, Memphis is also the home of beautiful parks, museums and art collections. You could spend days just visiting them all. There is no way to mention all of them, but these are some of the most popular.

The National Civil Rights Museum

In 1968 Martin Luther King, Jr. gave his historic “I Have a Dream” speech in Memphis. The next day he was assassinated at the Lorraine Motel. The National Civil Rights Museum has found a fitting home in this once tragic location and it instead commemorates the struggle of African Americans starting from the 17th century. The museum underwent renovations and opened in 2014 with an update of the movement to include current issues. Other advance technological additions such as short movies and other multimedia interactions were added to further the impact of the story it tells in the new age.

Brooks Museum of Art
The Memphis Brooks Museum of Art is Tennessee’s oldest art museum, founded in 1916. It features a wide range of both permanent and transitory pieces. Some of the permanent European pieces include the Samuel H. Kress Collection of Italian Renaissance and Baroque works. There is also a large number of American artists represented, such as Ralph E.W. Earl and George Inness. This is just scraping the surface of the works on exhibit as Brooks Museum of Art has 10 different categories of works on display.

Mud Island River Park
Imagine how cool it would be to walk along the entire length of the lower Mississippi River and experience its greatness. At the Mud Island River Park you can do just that! The park boast of a half-mile 2112:1 Scale model of the lower Mississippi River, which stretches from Illinois all the way to the Gulf of Mexico. There is also a full-Scale replica steamboat that gives a taste of life on the river during the Industrial Age.

factoring companies in MemphisGraceland
Of course while in Memphis you have to make a stop at the house of the King of Rock n’ Roll. While in the city come see how Elvis lived his life and see the many music awards he received, his massive car and motorcycle collection, and see some of his private planes. His home is one of the most visited in the world and is filled with Elvis memorabilia for the enjoyment of all who come.

There is only one other thing that rivals Elvis in popularity and association with Memphis, and that is good ol’ fashion Memphis BBQ. Taste for yourself the most unique and popular BBQ in the country. Although many may know of the more famous shops such as Corky’s and Rendezvous, you can skip the long lines and find some places that the locals regular, like Three Little Pigs. Here they smoke their pork shoulders for over 20 hours and serve their sandwiches in typical Memphis style with a sweet molasses and tomato-based sauce with a scoop of delicious coleslaw. If you’re feeling up to the challenge, you can try and settle for yourself the age-old BBQ rib’s question: “which is better, wet or dry ribs?”. This question has caused a divide in the city as great as the Mississippi River itself. Or perhaps you will decide that you like them both and can enjoy double the fun.

The Southern Dream

Memphis, Tennessee is the southern dream. It is music, food, and culture steeped in a rich southern history and with a unique twang. So whether you are looking for some good BBQ or some good rock n’ roll, look no further, Memphis has it and more.