About

Factor & Fund is officially live — and we're coming in strong with $5 million in private capital to help businesses solve their most common pain point: cash flow.

We specialize in invoice factoring and purchase order financing for small and mid-sized businesses across the U.S. — including trucking companies, manufacturers, Amazon sellers, staffing agencies, wholesalers, and retailers who want to help their vendors get paid faster.

Whether you're waiting on slow-paying clients, dealing with tight margins, or scaling faster than your bank can support, Factor & Fund turns your outstanding invoices or purchase orders into fast, flexible funding — often within 24 hours.

We’re not a bank. We don’t issue loans. And we don’t believe in red tape.
We believe in speed, transparency, and real partnerships.

✅ Approvals in under 48 hours
✅ Same-day funding available
✅ No long-term contracts
✅ Transparent fees
✅ Human-first support

We’re also helping large retailers and distributors improve their vendor relationships by offering early payment programs—keeping everyone in the supply chain stronger and more loyal.

Factor & Fund is founded by serial entrepreneur Adrian Ghila and backed by a team of experienced underwriters and operators committed to helping American businesses grow with confidence—even in uncertain markets.