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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

Everyone at CJM is so helpful. The communication is wonderful. Any way we try to reach them, they are there. We got good advice that we are following and we are doing wonderful. Our account manager is always there and helpful as ever with a big bright smile. I just love seeing her. When I stop in, you always feel welcome and you matter.

Fatima, Iowa

Our Partners

Partner with CJM Today!

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

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