factoring
working capital for growing companies
Who We Are
→ Deeply experienced finance professionals you can count on.
→ Texas based owners, who make common sense, yet out of the box decisions, when you need it most.
→ The Team + the technology that you will want by your side.
What We Do
→ Accounts Receivable Factoring
→ Asset-Based Lending: AR, Inventory M+E and RE advances
→ White Label Back Room Services
→ Construction Factoring
Why We Do It
We know The Journey of entrepreneurship involves way more than getting the capital you need to grow. Our vision involves adding value to the lives of each and every human being we are lucky enough to do business with.
resources
PRODUCTS WE OFFER
AR Factoring
Accounts Receivable Funding
Up to 95% advances
No minimums
Simple contracts
Tech enabled analytics
Construction Factoring
Progress Billing OK
Materials Financing
Project Financing
Lien Management
Sub + Supplier payments
Asset-Based Lending
Up to $10mm
Full recourse, mostly, VGs available
Flexible Borrowing Base
Covenant Light
White Label
Back Room Services “BRS”
Highly Experienced Underwriters
Credit + Operations
Fully automated platform
Capital
every business is unique
frequently asked questions
Business roadmaps built exactly to your needs.
Every deal is different and customized to fit your needs. We meet with you to discuss your needs, your wants, your desires. We will help you grow. Help take your company to the next level. Let’s build something together.
How does factoring work?
1. Apply online
2. Get approved
3. Submit the invoices you wish to factor
4. Get approved + get funded
How is qualification determined?
Qualification for Dare Capital is determined based on a number of factors. These factors include, but are not limited to, your business cash flow, the strength of your customers, and to a lesser extent your personal and business credit history. You do not have to have perfect credit to work with us. We work with a broad range of clients, including those with below average credit.
How much funding will I have access to?
Dare Capital offers funding between $5,000 and $5,000,000. Your credit line or loan amount will be determined based on a review of your business, personal FICO score, as well as other factors.
Are there termination fees if I want to leave?
No. As long as you have no balances outstanding, and your contract term has ended,you can stop using Dare Capital with no penalties or fees.
What information is needed to apply?
The Dare Capital application is three simple steps that can be completed in minutes.
We ask for:
General information about your business, such as address and Tax ID
Information about the business owner applying, including social security number
current financials and current AR + AP aging.
The information you provide is stored in accordance with our strict Privacy Policy and encrypted to make sure that it is always safe and secure.
What type of businesses are eligible for factoring?
To meet the minimum requirements for Invoice Factoring and you must have a personal credit score of 530 or more.
Any business that serves businesses or governments is eligible for Invoice Factoring. Invoice Factoring is available in all states.
The information you provide is stored in accordance with our strict Privacy Policy and encrypted to make sure that it is always safe and secure.
Can I still get funding if I have been denied by a bank?
Yes. That is why we are here.
Our decision process is different than a bank’s. While we take credit history into consideration we focus on the quality of your customers, not only personal credit history.
A great advantage of Dare’s invoice factoring is that you can leverage the credit-worthiness of your customers.
what sets us apart
core values
"A TEAM" Effort
We are more together than we are alone.
Our team is committed to working in lockstep with each other and our clients toward consistent long-term success.
Dare to Give, First
In Latin, “dare” means “to give.”
We believe in giving our best, putting our best foot forward, and working with clients who dare to give trust, transparency, and match our best with their own
Further + Onwards
There is always another improvement to make.
We take a growth mindset approach to our business and our clients’ success.
Radical Transparency
We strive to never surprise anyone with anything.
We will always share information − good or bad − with each other and with our clients, explaining every decision we make to the best of our ability.
what people say about us
testimonials
I have seen firsthand the positive impact Cole on his clients, assisting them to capitalize on opportunity and reach their maximum potential. There is no one else I would recommend as strongly.
Debra always does what she says she’ll do. She’s helped us through rough spots and assisted on critical decisions. Our relationship has been critical to our company’s success.
Cole will take the time to understand your business, and provide a solution that is in the best interest of your needs.
our story
about us
Debra and Cole have worked together closely for decades, having served together on three non-profit industry organizations board of directors, including the American Factoring Association since 2009, where they both still serve today.
Our founders have started, ran, grew, and successfully sold AR Factoring and Asset Based Lending platforms to banks in the USA. Debra was president and chief credit officer of Vertex Financial, Inc., for 17 years, which sold in 2014, and has worked in leadership positions in commercial finance since she was 18 years old. Cole started State Bank’s (Austin, Texas) AR Factoring and ABL business in 1996, which sold in 2006. In 2007, Cole co-founded Far West Capital, which sold in 2018.
the latest
newsletters
Answering the Call
In the factoring world, there’s a call for change. We’re proud to announce our answer to the call in the form of our brand new solution: NN6.
A Game of Chance
We’ve got our eyes on confusing jobs reports, a wild market, and an impending cascade of bank failures. Are you keeping your head above water?
Looking Beyond the Surface
We’ve got our eyes on confusing jobs reports, a wild market, and an impending cascade of bank failures. Are you keeping your head above water?
Hard Landings on the Horizon?
Hard Landings on the Horizon? - The stock market continues to rally on. We're seeing unprecedented highs and it feels like the good times just keep on rolling…but are they really good times? We've talked about paying attention to what the billionaires are doing...
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Contact Us
Send us a message and we will get back to you ASAP.
Email Us
info@darebizcapital.com
Mailing Address
3021 Ridge Road, PMB 110 Rockwall, Texas 75032
Call Us
(512) 886-DARE
Fax
(512) 886-3270
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