Porter Capital

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Porter Capital Fueling B2B growth with innovative funding and exceptional service nationwide.

Porter Capital was founded in 1991 and is committed to providing innovative funding solutions and exceptional customer service to B2B businesses nationwide. Over the past three decades, we've established ourselves as one of the Southeast’s leading privately-owned financial firms, continually expanding our client portfolio. As a direct lender and factoring company, Porter Capital has provided billions in funding since our founding. We cater to a wide range of industries, with our largest number of clients in Staffing, Manufacturing, and Wholesale Distribution. We offer competitive advance rates at 85% to 95% and lines of credit that range from $25,000 to $25 million. We are thrilled to be recognized among America’s Fastest-Growing Private Companies on the prestigious 2024 Inc. 5000 list. This accolade honors the most innovative and dynamic independent businesses across the nation, marking a significant milestone in Porter Capital’s journey of growth and success. Porter Capital's ongoing growth is fueled by our commitment to delivering personalized, dedicated customer service while maintaining speed and efficiency in all our operations. Learn more and contact us for a free quote: 1-888-865-7678 or visit www.portercap.com.

The bank wants to see how you’ve run the business, but you closed on it last week.Banks lend against operating history, ...
10/13/2026

The bank wants to see how you’ve run the business, but you closed on it last week.

Banks lend against operating history, debt service records, and how much debt a company already carries. A freshly closed acquisition can’t show any of them yet, even when the business behind it is strong. Its invoices are worth what they were worth the day before close.

A receivables facility funds against those invoices. It looks at who owes them and how reliably those customers pay, so it can cover payroll after close and bridge the gap until permanent bank financing is in place. Porter Capital structures these facilities alongside your existing bank, not in place of it.

Read the full breakdown, including two real deals, on our blog, found on our website.

Staffing runs on a mismatch most industries don't deal with. You pay your workforce every week. Your clients pay you in ...
10/07/2026

Staffing runs on a mismatch most industries don't deal with.

You pay your workforce every week. Your clients pay you in 30, 60, sometimes 90 days.

That gap doesn't shrink when you grow, it grows with you.

New opportunities mean payroll to cover before that invoice turns into cash. AR financing advances against those invoices so payroll stays on schedule regardless of when the client pays.

How many weeks of payroll are you floating right now before collections catch up? See how our team can help minimize the gap: https://hubs.la/Q04x4g650

10/05/2026

There's a real difference between factoring and asset-based lending, and it's not about which one is "better". It's about how involved you want to be in collections, and how big your receivables are. Not sure which fits your business? Let us help!


A myth worth busting: factoring means a business is struggling. In reality, the businesses that use it most are the ones...
10/01/2026

A myth worth busting: factoring means a business is struggling.

In reality, the businesses that use it most are the ones growing faster than their customers pay them.

Think of a staffing firm that just landed three new accounts and need to keep up the payroll, or even a distributor that doubled order volume but is still on 45-day terms.

Factoring isn't a rescue plan, it's a way to fund growth without waiting for payment schedules.

Are you outgrowing your payment terms right now? Imagine what you could do by receiving your cash sooner.

https://bit.ly/4xgKEtK

Net 60 sounds fine on paper. In reality, it's 60 days your business can't touch the money it already earned. That's payr...
09/23/2026

Net 60 sounds fine on paper.
In reality, it's 60 days your business can't touch the money it already earned. That's payroll timing, vendor discounts you miss, and material orders you have to delay.
To turn that 60-day wait into 24 hours, AR financing comes into play. With it, the cash is working instead of sitting on an invoice.
What's the longest you've waited to get paid on a completed job? Comment below.

Full breakdown: https://bit.ly/4xgtQ5U

09/21/2026

If your industry has a cash flow gap built into it, you might think it is part of the business.
Pay employees weekly but wait 30-60 days to get paid yourself.
Front the costs of production but wait months for the invoice to clear.
Restock inventory today but get paid for it much later.
It doesn't have to be like that.
Our BDO Bjorn Peterson shows you the way to turn those unpaid invoices into cash now.
Reach out and let's talk about how to close the gap before it becomes a problem.
https://bit.ly/3V4d1xC

Have you ever been passed between reps just to get a straight answer about your account? Not at Porter! When cash flow n...
09/18/2026

Have you ever been passed between reps just to get a straight answer about your account? Not at Porter!

When cash flow needs support, you want someone who knows your company and has been with you from day one. Behind each one of our clients, there is a dedicated Account Executive with years of experience in commercial finance, ready to understand your business.

That's how we've built partnerships that last for years. No call centers, no phone trees. Real people for real solutions.

Talk to our team about how we can accelerate your growth today: https://bit.ly/4f88W3b

When a slowdown hits your revenue, your bank does not always wait to see if you recover.A custom flooring and exhibition...
09/16/2026

When a slowdown hits your revenue, your bank does not always wait to see if you recover.

A custom flooring and exhibition services company that outfits trade shows, art shows, and auto shows nationwide learned that this year. A drop in trade show activity cut into revenue, its bank line maxed out at $2.9 million, and the bank asked the company to find a new lender. For over a month, payroll and new jobs went unfunded while the search for a replacement dragged on.

Porter Capital structured a $5 million recourse factoring facility built on the strength of the company's outstanding receivables, not its recent losses. The first funding paid off the entire $2.9 million bank line. Payroll stabilized, unstaffed jobs got funded, and the company was live in under 10 days from first contact, with substantial unused capacity built in for what comes next.

When the bank says "not yet," we say "now."

Read the full story on our website!

09/14/2026

Most business owners believe that factoring is a complex process. We run it in 4 simple steps.
And there is one detail that surprises people: how little time it takes between invoicing a customer and getting paid.
Our BDO Roger Welker breaks it down for you in this video.
See how it works and how fast you could be up and running with us.
https://bit.ly/4gsU8gf

We'll be at Americas Food & Beverage Show, September 14–16 in Miami! If your business is navigating growth, seasonality,...
09/11/2026

We'll be at Americas Food & Beverage Show, September 14–16 in Miami!
If your business is navigating growth, seasonality, or cash flow challenges in the food and beverage space, come find our Business Developer Roger Welker and let's talk about how invoice factoring can help.
https://bit.ly/3Smj9Ap

Address

2112 1st Avenue N
Birmingham, AL
35203

Opening Hours

Monday 7:30am - 4:30pm
Tuesday 7:30am - 4:30pm
Wednesday 7:30am - 4:30pm
Thursday 7:30am - 4:30pm
Friday 7:30am - 4:30pm

Telephone

+18007377344

Website

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