If you’re searching online for a “factoring company near me,” you’re not alone. It’s a common search term and a reasonable instinct.
But here’s the truth: location no longer determines the quality of your factoring experience.
A Note on “Local” Factoring Companies
Many factoring companies go out of their way to appear local by creating dozens of web pages like "Factoring in Texas" or "New York Invoice Factoring." These pages are designed for search engines, not because those companies actually operate in those states.
In some cases, they go even further, setting up entirely separate websites using different "Doing Business As" (DBAs) to create the illusion of multiple independent local companies. But that's not the reality.
Most don't have physical offices, infrastructure, or full-time staff in those areas, maybe a remote salesperson, at best.
At Gateway, we believe in transparency. Our clients don't choose us because we're around the corner; they choose us because we deliver results, provide fast funding, and provide industry-specific expertise.
The World Works Online—Including Your Bank
If you’re worried that working with a remote factoring company might feel impersonal, remember this: even banks are closing physical branches and shifting to online platforms.
Most people now:
- Open accounts online
- Apply for business loans digitally
- Deposit checks via a mobile app
- Rarely step foot in a branch
Factoring is no different. In fact, it’s designed to be fast, remote, and frictionless.
Factoring Is a Remote-Friendly Industry
Factoring has always been about speed and convenience, and now, the entire process is online:
- Invoices are submitted digitally
- Communication happens via email or phone
- Advances are wired directly to your bank account
- Contracts are signed electronically
- Account management happens in real-time through a secure online portal
Whether your factoring partner is five blocks away or five states away, the experience is exactly the same, and often even better.
The Myth of Local = Better
Some common concerns we hear, and the reality:
“If I run into issues, I want to walk into their office.”
That is totally fair, but in factoring, problems are solved faster by a responsive account manager than by an in-person visit.
“A local factor will understand my market.”
We already do. We’ve served hundreds of businesses in your region and industry without needing a local office.
“I don’t want to wait days for paperwork.”
You won’t. Everything is digital and most clients receive funding same-day or next-business-day.
What Really Matters
You don’t need someone local, you need someone:
- Who answers your calls
- Who answers your questions the first time
- Who funds you fast
- Who knows your industry
- Who supports your growth
When Choosing a Factoring Company, Look For:
- Industry expertise (staffing, trucking, security, distribution, etc.)
- Transparent terms & strong advance rates
- Fast, consistent funding
- Dedicated, responsive service
- A stable team that grows with you
Let’s be honest; you’re running a business. The last thing you need is to waste time driving across town for a meeting that could’ve been a call.
After Nearly 20 Years in Business, We Know Every Market Like We’re Locals
With nearly two decades of experience across industries and regions, we understand your market as if we were sitting right next door. Whether you’re in Texas, New York, California, or anywhere in between, chances are we’ve already worked with a company like yours.
99% of Our Clients Are Outside Our Office Locations
At Gateway, over 99% of our customers are located in places where we don’t have a physical office, and we’ve served them successfully every single day for the past two decades!
Here are a few examples (*):
- Silver Trail Logistics – Dallas, TX
A regional trucking company that uses our daily funding to keep their fleet moving, even when brokers take 30+ days to pay. - MetroShield Security – Chicago, IL
We fund their weekly payroll, allowing them to continue growing into new commercial and event contracts. - Summit Temps – Denver, CO
Factoring helps them meet payroll while their clients pay on net-45 terms. - Harvest Valley Produce – Fresno, CA
Facing seasonal cash flow challenges. We fund their invoices ensuring they get the freshest product from their distributors. - BrightCore IT Staffing – Austin, TX
A fast-growing tech staffing firm that scales confidently without relying on loans or equity. - Empire Site Services – Albany, NY
A construction cleanup company using our funding to manage labor on large-scale projects.
None of these businesses are in Florida. None of them have ever walked into one of our offices. And yet, they’re thriving with our support.
(*)Note: Company names have been changed for confidentiality.
Want a More Personal Touch? We’ve Got You Covered
If you’re someone who values the feeling of a face-to-face meeting, we offer:
- Zoom
- Microsoft Teams
- Google Meet …so you can meet with us “in person” anytime, from anywhere.
You’ll get to know your dedicated account manager by name, and talk with real people who understand your business.
Final Thought: Don’t Limit Yourself by ZIP Code
By focusing only on companies near you, you could be missing out on:
- Better rates
- Faster service
- More tailored support
Instead of asking, “Who’s nearby?” ask, “Who’s the best fit for my business?”
Ready to work with a factoring partner that’s fast, experienced, and focused on your success, no matter where you are?
Let’s talk.
