Scale Funding
Bank-owned invoice factoring (Scale Bank, FDIC). Lines $50,000 to $10 million, 90% advance, ~2% per 30 days, $50K/month minimum, same-day funding. Best for B2B firms.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: B2B firms in trucking, staffing, telecom or oil and gas billing $50,000+ a month that want a bank-owned factor, plus small fleets (1–4 trucks).
Not for: Firms billing under $50,000 a month (1–4 truck fleets have a separate program; ask its minimum), consumer sellers, or anyone needing a published price.
Lender List verdict: Scale Funding is a factor owned by an FDIC-insured bank, with lines of $50,000 to $10 million and same-day funding. Expect about 2% per 30 days (~27% annualized).
Scale Funding at a glance
| Scale Funding | |
|---|---|
| Lender type | Invoice factoring division of Scale Bank (direct funder) |
| Founded / HQ | 1994 (as TCI Business Capital) / Edina, Minnesota |
| Amounts / advance | $50,000 to $10 million lines; typically 90% |
| Cost (headline) | Lender does not publish; about 2% per 30 days (Fit Small Business) |
| Funding speed | Same-day once approved (Fit Small Business: 1 to 4 days) |
| Status | Active (checked 2026-10-27) |
What is Scale Funding?
Scale Funding is the invoice factoring division of Scale Bank, an FDIC-insured bank in Edina, Minnesota, and has bought receivables since 1994. It was TCI Business Capital until its parent, then Fidelity Bank, became Scale Bank in 2023.
In 2024 it absorbed Provident Commercial Finance, which runs its 1–4 truck program. It serves all 50 states and D.C.
How Scale Funding accounts receivable factoring works
Scale Funding buys invoices from customers you pick.
- You pick customers; all their invoices go to Scale Funding.
- Those customers get a notice of assignment and pay Scale Funding.
- Scale Funding advances about 90%, often same day.
- Once paid, you get the remainder less the fee.
Scale Funding advance rate, factor fee, and recourse
Scale Funding does not publish its fee; Fit Small Business reports about 2% per 30 days.
- Pricing basis: Flat, tiered or prime-plus.
- Contract: Month-to-month; longer contracts can earn lower rates.
- Recourse: Not stated; ask before signing.
- Rebate timing: Lender does not publish; released once the customer pays.
Worked example: factor a $100,000 invoice and receive $90,000. Paid in 45 days, a prorated 2%-per-30-day fee is $3,000, so $7,000 comes back: about 27% simple annualized on cash advanced (30.5% compounded).
Scale Funding requirements
Scale Funding requires $50,000 a month in B2B invoicing and judges mainly your customers' credit.
| Requirement | Scale Funding minimum |
|---|---|
| Monthly invoicing | $50,000 average |
| Customer type | B2B (B2G per Fit Small Business) |
| Personal credit score | No minimum; customers' credit is reviewed |
| Time in business | None stated; startups considered |
| Invoice age | Up to 45 days past due (Fit Small Business) |
| Industries excluded | Lender does not publish |
| Personal guarantee | Lender does not publish |
See Triumph Business Capital for trucking or browse all invoice factoring companies.
Frequently asked questions about Scale Funding
Is Scale Funding the Same as TCI Business Capital? Yes. TCI Business Capital became Scale Funding when its parent bank rebranded, keeping the same team and owner. Scale Bank has held an FDIC-insured charter since 1970. Scale Funding rates 4.2 of 5 on Trustpilot (11 reviews; one 2026 complaint alleges misplaced funds), and we found no regulator actions.
How Much Does Scale Funding Charge? Scale Funding does not publish a fee; Fit Small Business reports about 2% per 30 days. On a $100,000 invoice paid in 45 days, that is about $3,000. Fit Small Business puts the APR at 24% and up.
Is Scale Funding Recourse or Non-Recourse? Scale Funding does not say which is standard. Under recourse you buy back unpaid invoices; non-recourse shifts that risk to the factor but usually costs more and advances less. Ask which your agreement uses.
Will My Customers Know I'm Factoring? Yes. Each factored customer gets a notice of assignment and pays Scale Funding directly. Customers you choose not to factor keep paying you as usual. Scale Funding can also handle collections on factored accounts.
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.
Best for: B2B firms in trucking, staffing, telecom or oil and gas billing $50,000+ a month that want a bank-owned factor, plus small fleets (1–4 trucks).
Not for: Firms billing under $50,000 a month (1–4 truck fleets have a separate program; ask its minimum), consumer sellers, or anyone needing a published price.
Lender List verdict: Scale Funding is a factor owned by an FDIC-insured bank, with lines of $50,000 to $10 million and same-day funding. Expect about 2% per 30 days (~27% annualized).
Scale Funding at a glance
| Scale Funding | |
|---|---|
| Lender type | Invoice factoring division of Scale Bank (direct funder) |
| Founded / HQ | 1994 (as TCI Business Capital) / Edina, Minnesota |
| Amounts / advance | $50,000 to $10 million lines; typically 90% |
| Cost (headline) | Lender does not publish; about 2% per 30 days (Fit Small Business) |
| Funding speed | Same-day once approved (Fit Small Business: 1 to 4 days) |
| Status | Active (checked 2026-10-27) |
What is Scale Funding?
Scale Funding is the invoice factoring division of Scale Bank, an FDIC-insured bank in Edina, Minnesota, and has bought receivables since 1994. It was TCI Business Capital until its parent, then Fidelity Bank, became Scale Bank in 2023.
In 2024 it absorbed Provident Commercial Finance, which runs its 1–4 truck program. It serves all 50 states and D.C.
How Scale Funding accounts receivable factoring works
Scale Funding buys invoices from customers you pick.
- You pick customers; all their invoices go to Scale Funding.
- Those customers get a notice of assignment and pay Scale Funding.
- Scale Funding advances about 90%, often same day.
- Once paid, you get the remainder less the fee.
Scale Funding advance rate, factor fee, and recourse
Scale Funding does not publish its fee; Fit Small Business reports about 2% per 30 days.
- Pricing basis: Flat, tiered or prime-plus.
- Contract: Month-to-month; longer contracts can earn lower rates.
- Recourse: Not stated; ask before signing.
- Rebate timing: Lender does not publish; released once the customer pays.
Worked example: factor a $100,000 invoice and receive $90,000. Paid in 45 days, a prorated 2%-per-30-day fee is $3,000, so $7,000 comes back: about 27% simple annualized on cash advanced (30.5% compounded).
Scale Funding requirements
Scale Funding requires $50,000 a month in B2B invoicing and judges mainly your customers' credit.
| Requirement | Scale Funding minimum |
|---|---|
| Monthly invoicing | $50,000 average |
| Customer type | B2B (B2G per Fit Small Business) |
| Personal credit score | No minimum; customers' credit is reviewed |
| Time in business | None stated; startups considered |
| Invoice age | Up to 45 days past due (Fit Small Business) |
| Industries excluded | Lender does not publish |
| Personal guarantee | Lender does not publish |
See Triumph Business Capital for trucking or browse all invoice factoring companies.
Frequently asked questions about Scale Funding
Is Scale Funding the Same as TCI Business Capital? Yes. TCI Business Capital became Scale Funding when its parent bank rebranded, keeping the same team and owner. Scale Bank has held an FDIC-insured charter since 1970. Scale Funding rates 4.2 of 5 on Trustpilot (11 reviews; one 2026 complaint alleges misplaced funds), and we found no regulator actions.
How Much Does Scale Funding Charge? Scale Funding does not publish a fee; Fit Small Business reports about 2% per 30 days. On a $100,000 invoice paid in 45 days, that is about $3,000. Fit Small Business puts the APR at 24% and up.
Is Scale Funding Recourse or Non-Recourse? Scale Funding does not say which is standard. Under recourse you buy back unpaid invoices; non-recourse shifts that risk to the factor but usually costs more and advances less. Ask which your agreement uses.
Will My Customers Know I'm Factoring? Yes. Each factored customer gets a notice of assignment and pays Scale Funding directly. Customers you choose not to factor keep paying you as usual. Scale Funding can also handle collections on factored accounts.
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.
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