Financial Solutions for North American Companies


Invoice Factoring, As Simple As 1-2-3

Invoice factoring, also known as accounts-receivable financing, is a common funding solution companies use to speed up their cash flow.

While there are many factoring companies in Montpelier and the surrounding areas, businesses choose to work with Scale Funding as we make the process simple. Get the cash you need in just three steps.

factoring companies in MontpelierStep 1: Contact Scale Funding to inquire about our Montpelier invoice factoring programs. You’ll be approved in as little as 15 minutes from one of our team members.

Step 2: Once you’re quickly approved, send your invoices to Scale Funding.

Step 3: The day that we receive your invoices, we’ll provide a competitive advance on the invoice amounts. This eliminates the cash-flow gap from slow-paying customers. You’ll have cash to get caught up on bills, meet payroll and invest in new resources.

We’ll help ensure your customer pays the invoice within 90 days. Once the payment is made, we’ll remit the remaining percent to you, minus our low factoring rate.

Flexible Financing Programs

To fit the unique needs of each business, our Montpelier accounts-receivable financing programs are flexible and customized

Slow-Paying Customers If you’re waiting to get paid from your customers and could use the cash sooner, our Montpelier invoice factoring programs will pay you the day you’re reading to invoice.
Expanding If you’re not accepting new contracts because you’re waiting to get paid from previous jobs, invoice factoring is a finance solution that will allow your business to grow rapidly.
Credit Issues Whether your credit is less-than-perfect or maxed, our Montpelier accounts-receivable financing programs can help. We look at the credit of your customers rather than yours.
Start-Ups For more than 22 years, we’ve provided cash flow to start-ups which allows them to grow into well-established, booming businesses.
Bank Turn-Downs & Workouts We’re able to fund companies, even when the bank can’t.
Tax Liens We work with companies, even with tax liens.
Bankruptcy If you filed for bankruptcy and need a finance solution to help get back on your feet, look no further than our Montpelier factoring company programs.


Since 1994, Scale Funding has funded a variety of industries through factoring programs. Our industry expertise is another quality that sets us apart from other factoring companies in Montpelier and Vermont.

  • Government Contractors
  • Transportation
  • Oilfield Services
  • Heavy Construction
  • Staffing Agencies
  • Technology
  • Telecom & Wireless
  • Utility & Pipeline
  • Renewable Energy
  • Many More

Montpelier, Vermont

Centrally located in the center of Vermont, Montpelier is the capital of the state.  The smallest capital city in the United States is Montpelier, with a population of fewer than 8,000 people,


The charter for the Town of Montpelier was granted to Colonel Jacob Davis and other settlers from Massachusetts in 1781. However, the first permanent settlement in the area didn’t occur until the late 1780s, when Colonel Davis built a log cabin there. Although the origin is not confirmed, the city was likely named after the French city Montpellier, as it was founded during a time when Americans expressed gratitude to the French for their assistance during the American Revolution. After a long debate over which city would be chosen, Montpelier was named the capital of Vermont in 1805, because of its central location in the state. In 1848, the town was divided into two separate towns, Montpelier and East Montpelier. The Town of Montpelier was officially incorporated as a city in 1895.


As the state capital, Montpelier’s economy largely revolves around government activities. More than 2,300 people in the region work for the government. This is an astonishing number considering that the total population of the city is only about 7,800 people. The large number of government workers has led to indirect increases in the retail and services sectors required to support them.

Financial Services

Montpelier’s financial services sector became a large part of the city’s economy early in its history. It started in 1828 when Vermont Mutual Fire Insurance Company was established. Twenty years later, the city became home to two other insurance companies, the National Life Insurance Company and the Union Mutual Fire Insurance Company. This set the stage for the significant financial services industry present in Montpelier today. In fact, all three companies still operate in Montpelier. National Life Group (previously National Life Insurance Company) has multiple divisions in the city and is one of Montpelier’s largest employers, employing more than 750 people. Additionally, Union Mutual Fire Insurance Company (a division of Union Mutual Vermont) continues to be headquartered in Montpelier and has licenses to operate in five of the surrounding states.

Higher Education

Montpelier has a growing creative sector, which is strengthened by two of the city’s higher education institutions, New England Culinary Institute and the Vermont College of Fine Arts. The New England Culinary Institute is one of the largest employers in the city. In addition, the Institute indirectly provides tourism benefits, as its graduates supply local restaurants with exceptional chefs and innovative culinary destinations. The Vermont College of the Fine Arts is an internationally renowned facility that provides graduate level art education to students from around the world.

Food and Agriculture

In 2009, a significant movement began in the State of Vermont to ensure a strong and sustainable agricultural economy, create jobs in the farm and food sector, and improve access to healthy local food. Known as Farm to Plate, this movement involves a 10-year statewide food system plan made up of 20 different goals. Some of the goals are listed below.

  • Increasing consumption of Vermont-produced food by Vermonters, both personally and in institutional settings.
  • Reducing food-related health problems like obesity and diabetes.
  • Making locally produced food available at all markets within the state,
  • And many others.

Montpelier is a large part of the arm to Plate movement, as it is home to a number of farms and retail locations directly involved. Cabot Creamery, a cooperative of dairy farm families located in New York and New England, is headquartered in Montpelier. The cooperative manages four plants in three states and employs more than 1,000 people. About 530 of them are located in the Montpelier region. Another Montpelier company involved in the Farm to Plate movement is Morse Farm Maple Sugarworks, a high-quality family owned maple syrup company. Morse Farm packages and ships maple syrup and other maple products around the country. In addition to farms involved in the movement, Montpelier has a number of local craft breweries and a city run farmer’s market.


Tourism has a significant impact on the economy of Montpelier. Despite the city’s small size, it offers a wealth of activities for tourists. Some of these activities include hiking trails, nature centers, and a variety of food and farm tours related to the state’s Farm to Plate movement. In addition, Montpelier has 450 buildings that make up its Historic District, with the State House as the focus. The city also attracts a number of visitors interested in arts and culture. Each March, Montpelier hosts the Green Mountain Film Festival, which brings filmmakers and audiences alike. The second largest film festival in the state, the Green Mountain Film Festival screens independent films from around the world, receiving over 2,500 submissions each year.