About 370CAPITAL
Grow Your Business Without Taking On Debt
370CAPITAL turns your outstanding invoices into immediate working capital — so you can hire, expand, and take on more contracts using money you've already earned, not money you owe.
Our Mission
Putting Working Capital Where It Belongs — In Your Hands
370CAPITAL was founded on a simple belief: a business that has done the work and issued the invoice has already earned that money. The 30, 60, or 90 days it takes for a customer to pay shouldn't stand between you and your next opportunity.
We purchase your outstanding invoices and advance up to 95% of their value — immediately. No waiting. No debt. No complicated underwriting based on your credit history. Just fast, transparent access to the capital you've already earned.
Our mission is to give businesses of every size the financial flexibility that was once reserved for large corporations with deep credit lines. Whether you're a trucking company covering fuel costs or a staffing agency meeting payroll, we're here to make sure cash flow never holds you back.
What We Stand For
Our Core Values
Speed
Time is money — literally. We move fast because your business can't afford to wait. Most clients receive their advance within 24 hours of invoice approval.
Transparency
No hidden fees. No confusing terms. No surprises. We tell you exactly what our factoring fee is before you commit, and that's what you pay.
Partnership
We're not just a transaction processor. We're invested in your success. Our team takes the time to understand your business and structure a factoring solution that actually fits.
Integrity
We treat your customers with the same professionalism you do. Our collections process is respectful and relationship-preserving — because your reputation matters to us.
Why Choose Us
The 370CAPITAL Difference
We evaluate your customers, not you
Traditional lenders look at your credit score. We look at your customers' ability to pay. That means newer businesses and those with imperfect credit can still qualify.
No long-term contracts
Factor as much or as little as you need, when you need it. There's no minimum volume requirement and no lock-in period. You're always in control.
Industry expertise
We specialize in freight, staffing, manufacturing, construction, healthcare, and B2B services. We understand the payment cycles and challenges specific to your industry.
Dedicated account management
You get a real person — not a call center. Your account manager knows your business and is available when you need them.
Scalable factoring lines
As your business grows, your factoring line grows with it. Lines from $50K to $5M+ are available, with room to expand as your invoice volume increases.
Simple, transparent pricing
Our fee structure is straightforward and disclosed upfront. No origination fees, no monthly minimums, no hidden charges buried in the fine print.
Ready to Work With Us?
Apply in minutes and find out how much working capital your invoices can unlock.