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 2018 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 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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  • Stuart Brister

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

    View Stuart Brister's profile

  • Kevin Gillespie

    Bringing expertise in middle-market asset-based lending and accounts receivable financing

    View Kevin Gillespie's profile

  • Julie Acuff

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

    View Julie Acuff's profile

  • Brian Martin

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

    View Brian Martin's profile

  • Kevin Sullivan

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

    View Kevin Sullivan's profile

  • Greg Wheeless

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

    View Greg Wheeless's profile

  • Raphael Torres

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

    View Raphael Torres's profile