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Why Factor? Why CJM?

  • Eliminate Cash Flow Problems. Experience a continual stream of income once and for all.
  • Quick and Easy. Most companies become long-term clients due to the reliability of our process. Once we establish a dedicated relationship, the invoice process becomes automatic.

**Apply Online Now.  Start today with an easy click.

Working with CJM means working with a partner who empowers companies to succeed and grow through customized financing, innovative services, and partnerships. 

Credit and Collections! Keep Your Cash Flow! Join the Team of Hundreds!

“CJM plays a key role in my business. My account manager is awesome, fast, accurate, and on the ball. ”

– Kurt, Iowa


Immediate & Long-Term Benefits

Let us be your First in Factoring to provide immediate cash flow so that you can enjoy the future growth and success of your company.

You provide the invoice and we collect so you can continue to work on your business right away. Credit checks and quick availability to an account manager are the perfect partnership to protect your business.


  • Online Access. Upon request.
  • Flexible Factoring Fees. Factoring fees start as low as 1%.
  • Dedicated Account Manager. Your advocate and partner for success.
  • Personal Credit History Not Required. CJM Financial does not consider credit scores and history when determining your eligibility.
  • No Setup Fees. Free, fast application process.
  • Fuel Cards. CJM Financial offers newly negotiated fuel discounts up to $0.40 at over 2300 locations.
  • Free Online Credit Checks. Free online checks 24/7 through your personalized client login, or utilize your dedicated account manager for credit decisions.
  • Full Collections Team. We have your back.
  • Load Services.  We Source. We Manage. We Execute.  Learn more here about our dispatching solutions.

Benefits Beyond Factoring

Who Can Factor?

Anyone can factor. All you need is a delivered product or a completed service with an invoice. Potential industries include energy, transportation, staffing agencies, construction/excavation, and small to mid-size businesses. Let CJM handle your receivables so you can handle your business. Save and Grow Today!

What our clients say

Great people! Highly recommend!

Orijana H.

Our Partners

Partner with CJM Today!

 Do you just want to talk to someone?  Call us at 866-964-8880.