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Helping businesses since 2010.
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Downs Bowen Associates
Downs Bowen Associates

Industry Specialist:

Broker 3PL (Transportation), Contractor General

Type of Factoring

Recourse Typerecourse
Collateral Type1st Position All Assets
Notification TypeNotification

Additional Services

Fuel CardsCredit LinesLien ManagementCredit MonitoringACH PaymentsBack-Office SupportDebtor Underwriting

Description

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Customer Experience ☆☆☆☆☆

Estimate Summary

$5,000

Pricing Type Prime + Spread
Prime Rate Prime + 2%

Advance Rate

Standard Advance Rate 99%
1-15 Days 1% – 1.05%
15-30 Days 1.5% – 1.75%
30-45 Days 1.8% – 2.1%
45-60 Days 2.15% – 2.3%
60-90 Days 2.4% – 2.7%
Estimated Total (90 Days) 8.85% – 9.9%
Setup Fee $200
Summit Commercial Finance
Summit Commercial Finance

Industry Specialist:

Manufacturer, Staffing, Warehouse/Distribution

Positioning:

Structured, relationship-driven capital

Type of Factoring

Recourse Typerecourse
Collateral Type1st Position All Assets
Notification TypeNotification & Non-Notification

Additional Services

PO FinanceInventory FinancingCredit Lines

Description

Summit Commercial Finance partners with growing businesses that require more than a one-size-fits-all facility. Their approach is relationship-driven, combining factoring with complementary capital solutions such as purchase order finance and inventory lending. Summit takes a structured view of each client’s operations, aligning funding with business cycles, customer concentration, and long-term growth plans. This makes them a strong fit for companies transitioning from transactional funding to more strategic capital partnerships.

Customer Experience ★★★★☆

Estimate Summary

$250,000

Pricing Type Prime + Spread
Prime Rate Prime + 3.5%

Advance Rate

Standard Advance Rate 85%
1-15 Days 0.55% – 0.95%
15-30 Days 0.65% – 1.15%
30-45 Days 0.75% – 1.25%
45-60 Days 0.85% – 1.35%
60-90 Days 0.95% – 1.45%
90-120 Days 1.15% – 1.55%
120+ Days 1.25% – 1.95%
Estimated Total (120 Days) 6.15% – 9.65%
Setup Fee $500
Summit Commercial Finance
Summit Commercial Finance

Industry Specialist:

Manufacturer, Staffing, Warehouse/Distribution

Positioning:

Structured, relationship-driven capital

Type of Factoring

Recourse Typerecourse
Collateral Type1st Position All Assets
Notification TypeNotification

Additional Services

PO FinanceInventory FinancingCredit Lines

Description

Summit Commercial Finance partners with growing businesses that require more than a one-size-fits-all facility. Their approach is relationship-driven, combining factoring with complementary capital solutions such as purchase order finance and inventory lending. Summit takes a structured view of each client’s operations, aligning funding with business cycles, customer concentration, and long-term growth plans. This makes them a strong fit for companies transitioning from transactional funding to more strategic capital partnerships.

Customer Experience ★★★★☆

Estimate Summary

$200,000

Pricing Type Flat Fee
Admin Fee $250.00 Per Invoice

Advance Rate

Standard Advance Rate 92%
1-15 Days 0.85% – 1.15%
15-30 Days 0.65% – 0.95%
30-45 Days 0.85% – 1.25%
45-60 Days 0.95% – 1.35%
60-90 Days 1.25% – 1.65%
90-120 Days 1.35% – 1.75%
120+ Days 1.45% – 1.95%
Estimated Total (120 Days) 7.35% – 10.05%
Setup Fee $500
BlueLine Freight Capital
BlueLine Freight Capital

Industry Specialist:

Broker 3PL (Transportation), Carrier (Transportation)

Positioning:

Speed-driven, high-volume funding

Type of Factoring

Recourse Typerecourse
Collateral Type1st Position All Assets
Notification TypeNotification

Additional Services

Fuel CardsQuickPaySame-Day Funding

Description

BlueLine Freight Capital is built for operators who don’t have time to wait on approvals or chase paperwork. Designed specifically for carriers and brokers, their platform prioritizes speed, consistency, and visibility into cash flow. Funding decisions are streamlined around transportation workflows, allowing for same-day advances and seamless integration with dispatch and TMS systems. BlueLine focuses on keeping trucks moving, offering flexible programs that scale with volume while maintaining competitive pricing for shorter payment cycles.

Customer Experience ★★★★☆

Estimate Summary

$150,000

Pricing Type Prime + Spread
Prime Rate Prime + 3.47%

Advance Rate

Standard Advance Rate 95%
1-15 Days 0.65% – 0.90%
15-30 Days 0.55% – 0.75%
30-45 Days 0.75% – 1.10%
45-60 Days 1.10% – 1.25%
60-90 Days 1.25% – 1.65%
90-120 Days 1.65% – 1.75%
120+ Days 1.75% – 1.99%
Estimated Total (120 Days) 7.7% – 9.39%
Setup Fee $500
BlueLine Freight Capital
BlueLine Freight Capital

Industry Specialist:

Broker 3PL (Transportation), Carrier (Transportation)

Positioning:

Speed-driven, high-volume funding

Type of Factoring

Recourse Typerecourse
Collateral Type1st Position Invoices
Notification TypeNotification

Additional Services

Fuel CardsSame-Day Funding

Description

BlueLine Freight Capital is built for operators who don’t have time to wait on approvals or chase paperwork. Designed specifically for carriers and brokers, their platform prioritizes speed, consistency, and visibility into cash flow. Funding decisions are streamlined around transportation workflows, allowing for same-day advances and seamless integration with dispatch and TMS systems. BlueLine focuses on keeping trucks moving, offering flexible programs that scale with volume while maintaining competitive pricing for shorter payment cycles.

Customer Experience ★★★★☆

Estimate Summary

$20,000

Pricing Type Prime + Spread
Prime Rate Prime + 3.25%

Advance Rate

Standard Advance Rate 90%
1-15 Days 1.2% – 1.4%
15-30 Days 1.3% – 1.5%
30-45 Days 1.6% – 1.8%
45-60 Days 1.7% – 1.9%
60-90 Days 2.1% – 2.3%
90-120 Days 2.2% – 2.4%
120+ Days 2.5% – 2.6%
Estimated Total (120 Days) 12.6% – 13.9%
Setup Fee $500
Anchor Receivables Group
Anchor Receivables Group

Industry Specialist:

Construction Sub Contractor, Oil & Gas/Energy

Positioning:

Flexible, credit-challenged deals

Type of Factoring

Recourse Typerecourse
Collateral Type2nd Position
Notification TypeNotification

Additional Services

Fuel CardsInvoice Management SoftwareCredit InsurancePurchase Order Financing

Description

Anchor Receivables Group focuses on opportunities that fall outside conventional credit parameters. They specialize in complex industries such as construction, oil and gas, and project-based businesses where payment timing and documentation can vary. Anchor evaluates each deal on its individual merits, taking the time to understand the underlying transaction rather than relying solely on standardized credit models. Their flexible approach allows them to structure facilities where others may decline, providing access to working capital when it is most critical.

Customer Experience ★★☆☆☆

Estimate Summary

$1,500,000

Pricing Type Flat Fee
Admin Fee $300.00 Per Invoice

Advance Rate

Standard Advance Rate 80%
1-15 Days 0.5% – 0.9%
15-30 Days 0.9% – 1.4%
30-45 Days 1.5% – 1.9%
45-60 Days 2.1% – 2.5%
60-90 Days 2.5% – 2.9%
90-120 Days 2.9% – 3.4%
120+ Days 3.4% – 3.9%
Estimated Total (120 Days) 13.8% – 16.9%
Setup Fee $800
Anchor Receivables Group
Anchor Receivables Group

Industry Specialist:

Construction Sub Contractor, Oil & Gas/Energy

Positioning:

Flexible, credit-challenged deals

Type of Factoring

Recourse Typerecourse
Collateral Type1st Position All Assets
Notification TypeNotification

Additional Services

Fuel CardsCollectionsCredit Monitoring

Description

Anchor Receivables Group focuses on opportunities that fall outside conventional credit parameters. They specialize in complex industries such as construction, oil and gas, and project-based businesses where payment timing and documentation can vary. Anchor evaluates each deal on its individual merits, taking the time to understand the underlying transaction rather than relying solely on standardized credit models. Their flexible approach allows them to structure facilities where others may decline, providing access to working capital when it is most critical.

Customer Experience ★★☆☆☆

Estimate Summary

$15,000

Pricing Type Prime + Spread
Prime Rate Prime + 2.5%

Advance Rate

Standard Advance Rate 75%
1-15 Days 0.25% – 0.35%
15-30 Days 0.40% – 0.55%
30-45 Days 0.60% – 0.75%
45-60 Days 0.80% – 0.95%
60-90 Days 1.05% – 1.25%
90-120 Days 1.30% – 1.40%
120+ Days 1.55% – 1.60%
Estimated Total (120 Days) 5.95% – 6.85%
Setup Fee $500
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