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Frequently Asked Questions

What is Factoring?

Factoring is receiving cash for an invoice that you get after you deliver a product or complete a service.

How much does it cost to factor?

CJM provides the most cash with the lowest fees in the industry.

Is there a fee to sign up?

No.  We do not charge sign up fees.  Contact us for an application to get started right away.

How long does it take to start factoring?

After we receive your completed application and factoring agreement, funding can begin in 24 to 48 hours. Any other questions, contact our Strategic Sales Executive Team.  We will walk you through everything.

Do you offer same-day funding?

Yes! We offer no additional charge for same-day funding.  

How do I get paid for my invoices?

We offer payment by check, fuel card, wire, or ACH.  Contact your Strategic Sales Executive today for more information.  

How do I check the credit of my customers?

CJM offers free access to our 24-hour online database.  We have a new client login.  If you need assistance, please contact Galadriel at You may also email our credit and collections department during normal business hours for priority credit check responses. 

What's required to have my invoices purchased?

You only need an invoice that shows:  (1) agreed-upon rate for service, (2) proof of delivery or completion of service, and (3) any other paperwork required by your customer for payment.

Are originals needed to purchase my invoices?

No. In most cases, they are not.  Contact CJM to see if your customer requires originals. This will also be noted under the client login when you check credit.  

What if I factor with another company now?

CJM will handle your transition from your current factoring company to make sure your funding is not interrupted.  Contact a Strategic Sales Executive today to learn how easy it is and set up the best program for you at 515-964-8880 or 866-964-8880.

Do you have a fuel card?

We have some of the lowest fees and highest discount rates in the country. Click here for more information.

Do you offer advances?

CJM Financial now offers advances. They provide up to 50% advances with one of the lowest advance rates in the industry.

Whom will I work with?

CJM has some of the longest-serving, best-trained account managers in the industry with 49 years of combined account management experience.  

Can factoring work for my business?

If your company is growing and the bank is not responding quick enough, CJM Financial is your answer.  CJM provides same-day funding for hundreds of successful companies.  Industries served are transportation & trucking, staffing agencies, construction/excavation, and many other small to mid-size businesses.