Factoring is a form of commercial finance. A business simply sells its accounts receivables to a factoring company who, in return, provides a quick cash payment to the business.

In other words, let us be your ATM...call us locally at 763-780-1527 or Toll Free at 866-780-1527. Contact Us to find out how we can help solve your cash flow challenges.

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We Provide Cash Flow Solutions

Concept Financial is a local, owner-operated company that specializes in the factoring of receivables for small to medium size companies in the Upper Midwest. We help businesses who lack immediate funds, yet have a healthy base of receivables. In essence, we provide cash flow solutions. Our customers use factoring to meet the demands of a business start-up, to finance business growth, or to get through a cash flow crisis.

What We Can Offer Your Business

Concept Financial is not one of the industry giants, nor do we strive to be one. That allows us to offer exceptional service in the following areas:

Honest, Friendly Staff — Our small size allows us to personally meet and establish a long-term relationship with every customer we serve. We encourage customers to stop in our office any time during regular business hours. And when you call Concept Financial, you can expect a real person will answer the phone.

Debtor Administrative Services — We offer one-stop convenience. We'll make collection calls, run credit checks on debtors, provide collection reports, follow-up on charge backs and unapplieds, and handle other "back office" services to the degree you need.

Same-Day Funds — Concept Financial gets companies the cash they need fast. We have the time and staff available to provide same-day funds on invoices received by noon. There's no layered bureaucracy to bog down the process.

Flexibility — Our staff understands that unique circumstances arise, and we try to stay flexible. After all, factoring is more effective than a bank overdraft.

We'll Help Strengthen Your Financial Health — and Bankability

There are many reasons why a business may not qualify for a traditional bank loan. Rapid growth, not enough longevity or poor credit history are some examples. Concept Financial has an impressive track record of helping customers transition from factoring to banking.

The bottom line: We can strengthen your financial reputation by keeping your business strong and profitable.

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