Know Who You're Working With.

Our Philosophy

Our size allows us to personally meet and establish a meaningful relationship with every factoring client we serve. We encourage clients and prospective clients to stop in our office or call/text/email any time during regular business hours, where you will be greeted by our welcoming staff. Also, when you call Concept Financial, you can expect real people to answer the phone who are ready to serve you.

​Our Purpose

Concept's purpose is to serve our clients with the following approach: "Clients don't care how much you know until they know how much you care."

Concept continues to be an active member of the International Factoring Association for the past Twenty One years.  We are proud to follow IFA Code of Ethics.
Christopher Johnson - President​
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​Q: What was your first job? A: I was a “Jack of all trades” at Feldman’s Department Store in Hibbing. I loved helping my co-workers in whatever way they needed, and the experience helped set the stage for a lifetime of serving others. As an interesting side note: Bob Dylan had the same job at Feldman’s when he was growing up. I am still waiting to write my “Like a Rolling Stone.”
At Concept Financial, Chris is responsible for building a solid foundation for the company to serve others with a high level of integrity. In 1999, Chris co-founded and still serves as President of Concept Financial Group. Chris has led CFG from its inception into the well-respected finance company that it is today. Over its 26-year history, Concept has provided $1 billion of cash flow financing for its valued clients. Before CFG, Chris worked for ten years at a mid-sized Minneapolis-based bank, filling various commercial banking roles. Chris graduated from the University of St. Thomas with a degree in Business Finance.

Chris lives in Columbus, Minnesota, with his wife and four children. When not at home, they are at their cabin in Northern Minnesota. They stay active in many outdoor activities, including golf, downhill skiing, mountain biking, and lake activities. Chris continues to support and give his time as a youth baseball coach, high school golf coach, junior curling coach, and serving as a leader in Student Ministries at Eagle Brook Church. Chris also serves as a substitute teacher at St Peter’s School. When not in the office or helping others, Chris will be traveling the world with Bruce Springsteen on his next tour.​
8970 West 35W Service Drive NE, Suite 100, Minneapolis, MN 55449   Phone: 763-780-1527    Email: [email protected]