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As a leading factoring company, we at J&D Financial help clients and businesses of all types and sizes immediately obtain the funding they need to run and expand their business. If you feel that applying for traditional bank financing takes too much time and effort and you need to make payroll, purchase supplies, or acquire capital to take your business to new heights right away, then our financial factoring services are what you need.

No matter what the nature of your business is, whether you are selling and providing products and/or services, running a large company with hundreds of employees, or catering to the needs of other businesses, you will find our asset-based financing model truly helpful.
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J&D Financial started with the entrepreneurial idea in 1972 of going into the Finance business. Jack and Diane Carmel (the J&D), had just sold a large aluminum business and wanted a new hobby. Our business now employs 25 people and we factor in excess of 100 million in receivables yearly from over 150 businesses both domestic and internationally.
With 30 years of experience in the factoring business we have factored thousands of businesses. As our customer you will have added comfort that we know and understand your business and industry. Listed below is a partial listing of the kinds of companies we have factored over the years.
Invoice factoring, also referred to as cash flow factoring or accounts receivable financing, is a form of invoice financing that provides businesses with immediate cash through the sale of their invoices. By factoring their invoices, businesses big or small can address short-term and seasonal cash flow issues, get immediate working capital, as well as avoid exposure to credit risk.
As a leading figure in the international trade and finance industry, J&D Financial leverages its expertise by offering international factoring services to clients operating here and overseas. A Japanese manufacturer and distributor of bathroom fixtures sells container loads to creditworthy American buyers.
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Alex Jhon
Oct 15, 2021
J & D Commercial Lending is a wonderful company. They are giving best services ever! The employees treat you well. Highly recommended to all.