Factoring

Maximize liquidity and working capital availability with accounts receivable and inventory financing solutions

Flexible financing to support your growth

Accelerate cash flow, improve collections, and control exposure to bad debts. Our Commercial Services Group can provide working capital solutions to support your business now and over time, including accounts receivable financing (also known as factoring), inventory financing, and trade finance.

We are the leading factor in the U.S. by factoring volume, according to the latest Commercial Finance Association Factoring Survey. That means we have the depth of experience and breadth of financing options to help your business overcome cash flow challenges, so you can focus on running your business and reaching your goals.

Wells Fargo Capital Finance has been instrumental in assisting with Snow Joe and Sun Joe's growth objectives. The entire Wells Fargo team has embraced our culture and shares in our vision to be the leading consumer brand in outdoor power.

We work with companies with annual revenues of $10 million to $500 million with creditworthy business-to-business or business-to-government accounts receivable.

Our capabilities

  • Recourse and non-recourse accounts receivable financing (factoring)
  • Off-balance sheet agreements (true sale)
  • Accounts receivable protection, collection, and bookkeeping
  • Inventory financing
  • Seasonal over-formula advances
  • Letters of credit
  • International factoring
  • Asset-based lines of credit

Your benefits

  • Accelerated cash flow by converting accounts receivable to cash
  • Advance rates of up to 90% on accounts receivable and up to 60% on inventory
  • Simple documentation and quick closing
  • Less staff overhead when you outsource accounts receivable management and customer collections
  • Access to online reporting

Industry expertise

News and Articles

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Leadership

  • Stuart Brister

    A well-known and highly respected accounts receivable financing and asset-based lending industry veteran

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  • David Ciccolo

    Leader of the business development team of the Commercial Services Group, including consumer goods, staffing, government, and transportation services

    View David Ciccolo's profile


  • Kevin Gillespie

    Bringing expertise in accounts receivable financing and lending to companies of all sizes

    View Kevin Gillespie's profile


  • Darren Linder

    International factoring veteran who brings a wealth of knowledge to clients of the Commercial Services Group

    View Darren Linder's profile


  • Julie Acuff

    Over a decade of experience in factoring and asset-based lending, including client management and underwriting

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  • John Marrinson

    Leader of the transportation services team, a part of the Commercial Services Group of Wells Fargo Capital Finance

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  • Brian Martin

    Over 30 years of industry experience with a focus on building trusting, long-lasting customer relationships

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  • Kevin Sullivan

    A frequent speaker who is well-known in the factoring industry, particularly in the fashion and action sports arenas

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  • Greg Wheeless

    Leader of the government services team, a part of the Commercial Services Group of Wells Fargo Capital Finance.

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  • Pamela Cates

    National portfolio manager for government, transportation, and staffing services.

    View Pamela Cates's profile


  • Raphael Torres

    Leader of the staffing services team, a part of the Commercial Services Group of Wells Fargo Capital Finance.

    View Raphael Torres's profile