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Ready to get started?
Whether you want to learn more about factoring or are looking to get started, we are ready when you are.
Speak With a Funding Partner
Have questions about factoring or just want to talk through what growth looks like for your operation?
Reach out directly: Email: info@mcf.fund
We are available Monday through Friday, 8 AM to 5 PM CST.
Our offices
Mōmentum is based in Birmingham, Alabama, with operating offices across Texas.
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Birmingham, Alabama
Texas Offices
Houston, Tyler, McAllen, Austin, and Alice.
Factoring vs. Other Financing Options
Built for growth, not just approval
Traditional banks prioritize history and risk. Mōmentum AR factoring is built around earned invoices, customer credit strength, and the timing realities of growing businesses.
| Feature | Traditional Bank Loan | Merchant Cash Advance | Mōmentum AR Factoring |
|---|---|---|---|
| Approval Basis | Your credit and financial history for 2+ years | Existing sales volume | Primarily your customers credit strength |
| Time to Funding | Months | Often within days | Often within days |
| Creates Debt | Yes | Yes, structured as an advance | No traditional loan debt |
| Repayment Structure | Fixed monthly payments | Daily or weekly withdrawals | No fixed payments, tied to invoices |
| Cost Structure | Interest-based, hidden bank fees | High cost | Transparent factoring fee |
| Scales with Revenue | Limited by credit line | Limited, can restrict ongoing cash flow | Grows as you invoice more |
| Flexibility | Rigid covenants common | Rigid, frequent withdrawals | Built around your operation |
| Impact on Cash Flow | Neutral to restrictive | Can strain daily cash flow | Improves cash flow timing |
| Accessibility for Startups | Difficult | Often accessible | Easy to set up |