Scale Funding

Scale Funding core program

B2B businesses billing on net terms and averaging at least $50,000 in monthly invoices. This qualification threshold does not establish a monthly minimum fee.

The trucking page advertises factoring lines from $50,000 to $10 million, subject to a custom offer.

An individual quote based on invoice volume, customer credit and payment timing. No universal carrier rate is published.

The FAQ describes a typical 90% advance; the service page also describes 80–90%. Your written quote determines the actual percentage.

The balance is released after customer payment, less fees. Confirm the reserve-release schedule.

Offers month-to-month agreements. Longer commitments may offer pricing concessions; compare the actual offer and exit conditions.

The FAQ specifies customer selection: send all invoices for customers you choose to factor. Confirm this despite broader invoice-choice wording elsewhere on the page.

The FAQ explains recourse and non-recourse generally; it does not establish your carrier program. Obtain the actual chargeback and coverage terms.

Request the rate formula, transfer charges, any minimum fee and exit charges. The published pricing guide is not your fee schedule.

For fleets with 1–4 trucks

Scale’s small-fleet page presents Provident Commercial Finance for 1–4 trucks. Confirm the provider issuing your agreement and its separate terms.

Businesses across all 50 US states and Washington, DC. Cross-border invoice eligibility needs confirmation.

Funding and account services

Initial setup is advertised in as little as three business days. Qualification and invoice review still apply.

Startups can qualify; customer and core-program eligibility still apply.

Provide business information, a customer list and open invoices for credit review.

Same-day invoice funding advertised. Confirm document cutoff, verification requirements and bank arrival time.

Wire, ACH and mailed checks are listed. Ask which method and charges apply to your account.

Credit and payment-history analysis, with customer pre-approval before work begins. Check each broker or shipper before relying on funding.

Scale handles collections and payment issues with debtors, using an approach intended to preserve customer relationships.

Dedicated relationship managers advertised. Confirm your servicing team, backup contact and support hours.

Scale’s switching guide identifies payoff, UCC release or subordination, and customer payment notices. Your agreement controls notice, charges and timing.

TCI Business Capital became Scale Funding on September 25, 2023. It remains a division of Scale Bank; the announcement stated that ownership did not change.