Working Capital of America

Working Capital of America is a full-service finance company that can fund your invoices within 24 hours and handle all of your collections activities.

Financial Products

Products offered:

Invoice factoring

Industries Served

Featured Services

Billing and collection services Customer credit services No minimum fees No startup fee Non-recourse factoring Online reporting Same-day funding Select invoice factoring Single invoice factoring

Standard Terms

Working Capital of America (WCA) is a nationwide full-service working capital finance company located in the Chicago area. We offer a broad range of financing solutions for the construction industry. We’re experts at accounts receivables management and collections, full-recourse invoice purchasing, and client underwriting assistance. We work with companies experiencing rapid growth; companies with capital shortages; companies that need help filling large orders; and companies struggling through industry downturns.

WCA has a wide range of flexible financial products that traditional banks don’t offer. Our primary business is invoice factoring lines of credit. We can fund your invoices within 24 hours and handle all of your collections activities. WCA prides itself on thinking outside the box and approving deals that traditional lenders avoid. We also have close relationships with banks, SBA lenders, asset based lenders, PO financing companies, and reputable MCA companies.

Working Capital of America provides these invoice factoring benefits:

  • Factoring rates as low as 1%.
  • Receivables management and collections.
  • No application fee.
  • Same day funding.
  • No monthly minimums.

We are a family-owned company that understands entrepreneurs and the challenges of running a small business. We’ll evaluate your business and find you the best financing solution for your particular situation. Our mission is to help you grow your business and achieve your business strategies, while providing our services with the highest level of professionalism and integrity.

Alex Tovstanovsky

VP Small Business Lending

Working Capital of America is an Illinois factoring company.

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The Factoring Club Advantage

Personalized Matching

We offer a personalized and human-centric approach to match your business with the ideal factoring company. Our team takes the time to understand your unique requirements and industry, ensuring a tailored recommendation.

Expert Guidance

With over 25 years of industry experience, our team provides expert guidance throughout your factoring journey. We help you understand terms, fees, and contract details, empowering you to make informed decisions.

Time and Hassle Savings

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Extensive Network

Gain access to our extensive network of over 100 reputable factoring companies. Whether you're a small business or a larger enterprise, we connect you with partners that align with your size, industry, and financial goals.

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