WHO WE ARE
 
DARE Business Capital is an accounts receivable factoring company specializing in construction subcontractor financing. Founded by factoring veterans with a combined 60+ years of experience, we provide working capital solutions for growing businesses across every B2B industry. We've funded over $6 billion in receivables and built long-term relationships with thousands of companies, many of whom have worked with us for years.

WHAT WE DO
 
We factor accounts receivables and provide lines of credit for companies that need cash flow today, not in 30 or 60 days. Our construction factoring program is built specifically for subcontractors. We underwrite the entire project chain from owner to general contractor to sub, using five credit databases and real-time project monitoring to protect our clients at every phase.
We also offer BRS (Backroom Services), a factoring partnership program for brokers, small factors, and entrepreneurs who want to own a factoring business without building an operation from scratch. BRS partners own their assets, control their client relationships, and split revenue 50/50. No buy rate. No interest charges. True ownership.
Our proprietary software platform, NN6, powers portfolio management, risk monitoring, and operational execution for our team, our partners, and independent factoring companies nationwide.

WHY WE DO IT

We believe the best businesses are built by entrepreneurs who are willing to stand on their own two feet. We've seen what happens when growing companies get the right financial partner. They take on bigger projects. They pay their people on time. They stop turning down opportunities because of cash flow.
We also believe factoring should be a relationship, not a transaction. We tell you the truth. Good news and bad news. We strive to be your first call when there's a problem. And we do the operational work that most lenders won't touch, because that's how you actually protect the people you serve.

Dare Capital

Matt Smulski

This department focuses on managing client relationships and ensuring customer satisfaction while driving sales growth.

Account Management

This department oversees and optimizes organizational processes and resources to enhance efficiency and productivity.

Dare Capital

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Teams

Account Management

Operations Management

Offices