Rosenthal & Rosenthal

Best for: Established apparel, footwear, home-goods and consumer-product suppliers that sell to retailers on terms, need $500,000 or more, and want a factor that takes on customer credit risk.

Not for: Small businesses needing a few thousand dollars, consumer-facing sellers, or anyone who wants a published price or same-day funding.

Lender List verdict: Rosenthal & Rosenthal, now Rosenthal Capital Group, is a family-owned factor operating since 1938 that lends up to $40 million with credit protection and inventory advances. It publishes no rates; at 1% and 3% per 30 days, two points in United Capital Source's 1% to 5% range, a 45-day, $100,000 invoice costs $1,500 to $4,500.

Rosenthal & Rosenthal at a glance

Rosenthal & Rosenthal is a private factor and asset-based lender with facilities up to $40 million.

What is Rosenthal & Rosenthal?

Rosenthal & Rosenthal is a New York commercial finance company founded in 1938 by Imre J. Rosenthal, and in May 2025 it renamed itself Rosenthal Capital Group and moved to 300 Park Avenue. The founding family still runs it, and it calls itself the largest privately held factor in the U.S.

It reports 550 clients and five offices, and it bought BB&T's factoring book in 2018 and Accord's U.S. equipment leasing unit in 2024.

How Rosenthal & Rosenthal factoring works

Rosenthal & Rosenthal factoring advances up to 90% of invoices and up to 50% of inventory, and it handles credit checks and collections.

• Credit protection: Rosenthal carries the loss if a customer it credit-approved can't pay; invoices to declined accounts can remain borrowable.
• Over-advances: Extra availability above the formula for seasonal peaks.
• Back office: A named credit analyst, online account views and management reports.

How the funding cycle works

Rosenthal & Rosenthal advances cash against each invoice, collects from your customer, then releases the balance minus its charges.

1. Rosenthal credit-approves your customer's order.
2. You ship and assign the invoice; Rosenthal advances up to 90%.
3. Your customer pays Rosenthal on its normal terms.
4. Rosenthal deducts its fee and interest and releases the rest.

Rosenthal & Rosenthal advance rate, factor fee, and recourse

Rosenthal & Rosenthal charges a fee on factored invoices plus interest on advances and publishes neither rate. It calls its interest competitive with banks and charges no unused-line, commitment or compensating-balance fees.

• Advance: Up to 90% of receivables; up to 50% of inventory.
• Commission and contract: A public footwear company's SEC filing describes a commission on each gross invoice, a minimum annual commission, and a 12-month term that renews automatically and can be ended on 60 days' notice.
• Recourse: Non-recourse on credit-approved accounts; recourse factoring is also offered.

Worked example: Rosenthal does not publish a fee, so we use two points, 1% and 3% per 30 days, within United Capital Source's industry range of 1% to 5% a month. Factor a $100,000 invoice at a 90% advance; your customer pays in 45 days. At 1% per 30 days, prorated, the fee is $1,500 and your rebate is $8,500, roughly 13.5% simple annualized on the $90,000 you received. At 3% it is $4,500, about 41%.

Rosenthal & Rosenthal requirements

Rosenthal & Rosenthal publishes no credit score, revenue or time-in-business minimum and accepts start-ups through public companies.

Pros and cons

Rosenthal & Rosenthal's strengths are size, credit protection and inventory advances; its weakness is unpublished pricing.

Pros

• Facilities up to $40 million, plus inventory advances
• Credit protection on approved accounts
• Factoring, ABL, PO and equipment finance in one place
• No unused-line or commitment fees

Cons

• No published fee, interest rate or funding time
• Minimum annual commission in a disclosed contract
• No BBB or Trustpilot profile

Rosenthal & Rosenthal vs. Star Funding vs. eCapital

Rosenthal & Rosenthal lends up to $40 million; eCapital runs $5 million to $250 million, and Star Funding publishes no maximum.

Star Funding and eCapital figures are from the Lender List competitor registry (their own sites), checked 2026-10-26.

Choose Rosenthal & Rosenthal for a large facility with inventory advances, Star Funding for published pricing, eCapital for speed.

Rosenthal & Rosenthal alternatives on Lender List

The closest Rosenthal & Rosenthal alternatives are Star Funding, eCapital and, for larger asset-based loans, Siena Lending Group.

• Star Funding — published 1% to 3% factoring rates
• eCapital — advances of up to 100%
• King Trade Capital — PO financing specialist
• Siena Lending Group — asset-based loans from $20 million
• Browse all invoice factoring companies, purchase order financing and asset-based lenders on Lender List

Frequently asked questions about Rosenthal & Rosenthal

Rosenthal & Rosenthal, Inc. is a legitimate factor founded in 1938, now Rosenthal Capital Group.

Is Rosenthal & Rosenthal Legit? Yes. Rosenthal & Rosenthal has operated since 1938, reports 550 clients and announced a $30 million facility in June 2026. A public footwear company's SEC filing describes a Rosenthal factoring agreement amended and restated in July 2020. We found no BBB or Trustpilot profile to cite.

Is Rosenthal & Rosenthal Now Rosenthal Capital Group? Yes. In May 2025 Rosenthal & Rosenthal relaunched as Rosenthal Capital Group and moved its New York headquarters to 300 Park Avenue. The Rosenthal family, now in its third and fourth generations, still owns and runs the firm, and both rosenthalinc.com and rosenthalcapitalgroup.com are live.

Where Is Rosenthal & Rosenthal Located? Rosenthal & Rosenthal is headquartered at 300 Park Avenue, Suite 1401, New York, NY 10022 (212-356-1400). It also has offices in Los Angeles (opened 2003), Atlanta and High Point, North Carolina (both 2018), and Chicago (2024), and it offers international factoring for overseas receivables.

How Much Does Rosenthal & Rosenthal Charge? Rosenthal & Rosenthal does not publish its pricing. It charges a commission on factored invoices plus interest on advances, with no unused-line or commitment fees. At 1% and 3% per 30 days, two points in United Capital Source's 1% to 5% range, a $100,000 invoice paid in 45 days costs $1,500 to $4,500.

Does Rosenthal & Rosenthal Offer Purchase Order Financing? Yes. Rosenthal & Rosenthal offers purchase order financing through Rosenthal Trade Capital, a unit dedicated to it. It funds businesses holding purchase orders, contracts or firm commitments from creditworthy customers. Rosenthal does not publish PO fees; as a benchmark, Star Funding quotes 2% to 4% per 30 days.

What Does a Factoring Company Like Rosenthal & Rosenthal Do? A factoring company buys or lends against your unpaid invoices so you get cash before customers pay. Rosenthal & Rosenthal advances up to 90% of receivables, checks and approves your customers' credit, collects payments, and releases the balance minus its fee and interest once each invoice is paid.

Is Rosenthal & Rosenthal Recourse or Non-Recourse? Both. Rosenthal & Rosenthal offers non-recourse factoring, taking the loss if a credit-approved customer can't pay, and recourse factoring, as in a $2 million facility for a staffing firm in 2024. Invoices to accounts it hasn't approved can still be borrowable, but the credit risk may stay with you.

Will My Customers Know I'm Factoring? Usually, yes. In standard factoring your customers pay Rosenthal & Rosenthal directly and its credit team approves their orders. It has written non-notification agreements for some larger clients, such as an outerwear company with more than $250 million in sales.

Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.