Capital solutions for the world that moves
Qualiteq Capital is a US-based commercial finance company serving businesses across the US and Europe with invoice factoring, purchase order financing, freight factoring, asset-based lending, equipment financing, and insurance premium financing — from $100,000 to $25 million per transaction.
A merchant finance approach to commercial credit
Most companies don't need a single generic loan — they need the right instrument for the specific working-capital, asset, or growth problem in front of them.
We sit between banks and direct lenders: faster than the former, more flexible than the latter, and structured by people who have done these transactions for decades.
Transaction-led, not template-led
We underwrite the situation in front of us — the receivable, the order, the asset, the premium — not just a borrower archetype that fits a credit box.
Senior bankers, direct line
You speak with the people structuring the facility. No coverage layer, no relationship handoff, no waiting two weeks for a term sheet.
Built to scale with you
Most clients grow into larger facilities and adjacent products. Our structures are designed to graduate, not to ceiling out.
Six financing solutions, one financing strategy
Every financing need is different. We structure the right financing solution for your business, combining multiple facilities whenever a single product isn't enough.
Invoice Factoring
Advance 75–90% of eligible B2B receivables within days. Recourse and non-recourse.
Learn about Invoice Factoring→
Purchase Order Financing
Fund supplier payments and production against confirmed customer orders.
Learn about Purchase Order Financing→
Freight Factoring
Same-day funding on approved loads for carriers, owner-operators, and brokers.
Learn about Freight Factoring→
Asset-Based Lending
Revolving credit secured by receivables, inventory, and equipment.
Learn about Asset-Based Lending→
Equipment Financing
Finance or lease across trucking, construction, manufacturing, healthcare, and IT.
Learn about Equipment Financing→
Insurance Premium Financing
Spread annual commercial P&C premiums into monthly installments.
Learn about Insurance Premium Financing→
Capital built for the businesses that actually make the economy run
We work with established operators across the middle market — companies with real revenue, real assets, and financing needs that deserve more thought than a checkbox lender will give them. Industry matters less than fundamentals: cash conversion, collateral quality, and the people running the business.
- Importers & exporters
- Distributors & wholesalers
- Manufacturers & fabricators
- Trucking & logistics
- Staffing & services
- Construction & trades
- Healthcare services
- Technology resellers
From conversation to funded within days — not quarters
Conversation
A 30-minute call to understand the situation, the counterparties, and the use of proceeds. We come back inside 48 hours with a directional read.
Term sheet
Signed term sheet typically within a week, covering advance rates, fees, structure, and any inter-creditor work required.
Closing & funding
Diligence, documentation, and first funding — usually two to four weeks from term sheet, often faster for factoring lines.
The right capital structure is rarely the most obvious one. Our job is to find the instrument that lets the business keep compounding — not just the one that closes.