You did the work. Don't wait 60 days to get paid for it.
Finman helps government contractors and growing businesses turn unpaid invoices into working capital, through invoice factoring and business lines of credit from trusted funding partners.
Veteran-owned, based in Northern Virginia. No upfront fees, ever.
A typical government invoice
Timing depends on your customers and your funding partner. Finman explains your options before you commit to anything.
Who we work with
Businesses that invoice other organizations and wait to get paid.
Government contractors
Primes and subcontractors on federal, state and local contracts who need cash between award and payment.
Staffing agencies
Firms that make payroll every week while their clients pay on 30 to 60 day terms.
Growing B2B companies
Businesses taking on bigger orders than their cash flow can carry, including those a bank has turned down.
Funding that grows with your business
The right option depends on where your company is today. As you grow, we help you move to lower-cost financing instead of starting over with someone new.
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Starting out or growing fast
Invoice factoring
You sell your unpaid invoices to a factoring company and receive most of their value within days. Approval depends mainly on how reliably your customers pay, not on your credit history.
A fit for newer firms, thin credit, and companies a bank has declined.
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Steady receivables
Asset-based line of credit
A revolving line secured by your receivables. You draw what you need and pay interest only on what you use, usually at a lower cost than factoring.
A fit for companies with consistent invoicing and creditworthy customers.
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Established and profitable
Bank or SBA line of credit
Traditional working-capital lines for businesses with a track record, clean financials and a few years of profits.
A fit for mature firms ready for the lowest-cost capital.
We can also arrange equipment financing and commercial real estate loans for clients who need them.
How it works
Tell us about your invoices
A short call about who your customers are, how much you invoice each month, and how long you wait to get paid.
We match you with a funding partner
We compare options from factoring companies and lenders that work with businesses like yours, and explain the terms in plain language.
Your funding partner approves and funds
You apply with the partner you choose. They make the funding decision and fund you directly. We stay your point of contact as you grow.
What you can count on
No upfront fees
Finman is paid by the funding partner, and only when you are funded. You never pay us to apply.
Straight answers
If factoring or a credit line isn't right for you, we'll say so and point you somewhere better.
Partners who know your work
We match you with funding partners experienced in government receivables and payroll-heavy businesses.
One relationship as you grow
When you outgrow factoring, we help you move to a line of credit without starting from scratch.
Veteran-owned. Based in Northern Virginia.
Finman Financial Services was founded by Brian Cook, a U.S. Army veteran who works with business owners to find the working capital their contracts require.
Northern Virginia is home to thousands of small contractors who win good work and then wait months to be paid for it. Finman exists to close that gap with funding options that are explained clearly and priced fairly.
Refer a client. Earn every month they're funded.
Accountants, bankers, insurance agents and consultants see businesses with cash-flow problems every week. Introduce them to Finman and earn a share of our commission for as long as your client keeps factoring.
How the partnership works
- No cost to join and no quotas
- You make the introduction; we handle everything after
- Monthly statements and on-time payments
- Recurring commission for the life of each factoring account
- Never promise rates or approvals; we handle those conversations
Start with a conversation
Tell us a little about your business. We'll reply within one business day with options or an honest answer about fit.