Accelerate your business with factoring
We understand the challenges you face. We are a no-hassle funding company.
Non-recourse covers less. Summar Shield covers you.
We protect you when brokers disappear – beyond 90 days, even without bankruptcy.
Factoring is a funding solution that helps businesses turn unpaid invoices into fast cash. Instead of waiting weeks or months for customers to pay, you can access working capital sooner and keep your business moving.
At Summar Financial, we provide flexible factoring solutions for trucking companies, owner-operators, exporters, staffing firms, and growing businesses that need reliable cash flow without taking on traditional debt.
Are you a Business Owner Looking to Grow?
Turn invoices into fast cash with flexible factoring and funding solutions designed for your business.
Fleet Owners and Owner-Operators
❯ Freight Factoring
Get paid faster on freight invoices with funding options designed for carriers and small fleets.
Same-day funding
Broker credit checks
Latam Exporters
❯ International Factoring
Access working capital for export receivables and cross-border trade.
Cross-border funding
Credit protection
Growing U.S. Businesses
❯ Factoring for Other Industries
❯ Reverse Factoring
Turn B2B receivables into working capital and support supplier payment needs.
B2B invoice factoring
Supplier funding
Staffing Firms and Temp Agencies
❯ Payroll Funding
Cover payroll on time while waiting for clients to pay.
Flexible payroll funding
Cash flow support
Key Advantages of Factoring for Business Growth
Immediate Cash Flow
Turn unpaid invoices into working capital faster, so your business can cover expenses, take on new opportunities, and operate with more confidence.
Reduced Risk & Costs
Factoring can include credit evaluation, collections support, and non-recourse options that help reduce exposure to slow-paying or non-paying customers.
Debt-Free Funding
Factoring is not a traditional loan. It is based on your accounts receivable, helping your company access cash without adding debt to the balance sheet.
Why Choose Summar Financial?
Proven Track Record
With more than 20 years of experience in factoring, Summar Financial has supported thousands of businesses with reliable funding solutions and personalized service.
Same-Day Funding
When invoices are approved on time, eligible clients can access same-day funding to keep operations moving and avoid cash flow interruptions.
Personalized Service
Our client representatives work directly with you throughout the process, helping you manage funding requests, questions, and account needs.
Non-Recourse Options
Summar offers non-recourse factoring options designed to help protect approved invoices and reduce payment risk.
Industry Knowledge
From freight and staffing to exports and B2B receivables, our team understands the cash flow challenges businesses face across different industries.
Industry Knowledge
From freight and staffing to exports and B2B receivables, our team understands the cash flow challenges businesses face across different industries.
What Our Clients Say About Summar Financial
Businesses across transportation, staffing, trade, and other industries trust Summar Financial for responsive service, reliable funding, and long-term support.
With Summar, I’ve been able to improve the efficiency of my suppliers. The whole operation is more solid, and I can better serve my clients; respond faster and minimize risks
A great company. Works to understand your business and your needs. Works with you as a part of your company rather than solely a Client-Vendor relationship. Fast funding and always available to help with the business needs. I would highly recommend working with them.
We are very pleased with our several years of experience with Summar Financial. Always willing to help and understand our needs. Each staff member does what they must to ensure that each transaction is processed quickly and smoothly. Thank you, team Summar!
Turn Your Network Into
New Revenue Opportunities
Partner with Summar Financial by referring businesses that need better cash flow and flexible funding solutions.
Help carriers, owner-operators, and small fleets improve cash flow while earning recurring monthly commissions.
Ideal for dispatchers, compliance providers, insurance agents, and transportation partners.
Refer U.S. businesses, staffing firms, exporters, and international companies that need better access to working capital.
Designed for partners connected to companies with cash flow, payroll, supplier, or trade financing needs.
Trusted by Businesses and Industry Partners
Summar Financial works with business owners, exporters, transportation companies, staffing firms, and industry partners across the U.S. and Latin America.
Working Capital Solutions for Growing Businesses
Summar Financial provides invoice factoring, freight factoring, international factoring, payroll funding, and reverse factoring solutions for businesses that need dependable cash flow. Whether you are managing freight invoices, export receivables, staffing payroll, or supplier payments, our team helps turn accounts receivable into working capital so your company can grow with more flexibility.
Factoring and Miami’s International Trade Success
Miami is a major hub for international trade, logistics, exports, and business growth. From Latin American exporters to U.S.-based companies serving global markets, businesses in Miami often need flexible access to working capital to manage receivables, pay suppliers, and keep operations moving. Summar Financial supports this ecosystem with factoring solutions designed for companies that need faster cash flow, credit support, and reliable funding without relying only on traditional bank loans.
Frequently Asked Questions About Factoring
❯What is factoring?
Factoring is a funding solution that allows businesses to turn unpaid invoices into working capital instead of waiting for customers to pay.
❯Is factoring a loan?
No. Factoring is not a traditional loan. It is based on the sale of eligible accounts receivable.
❯Who does Summar Financial work with?
Summar Financial works with trucking companies, owner-operators, exporters, staffing firms, U.S.-based businesses, and companies that need flexible working capital
❯Does Summar offer freight factoring?
Yes. Summar Financial offers freight factoring solutions for carriers, owner-operators, and small fleets, including same-day funding options and support for broker credit checks.
❯Does Summar offer international factoring?
Yes. Summar provides international factoring solutions for exporters and companies involved in cross-border trade, especially businesses selling into the U.S. market.
❯Where is Summar Financial located?
Yes. Summar provides international factoring solutions for exporters and companies involved in cross-border trade, especially businesses selling into the U.S. market.