Who We Are
→ Deeply experienced finance professionals you can count on.
→ Texas based owners, who make common sense, yet out of the box decisions, when you need it most.
→ The Team + the technology that you will want by your side.
What We Do
→ Accounts Receivable Factoring
→ Asset-Based Lending: AR, Inventory M+E and RE advances
→ White Label Back Room Services
→ Construction Factoring
Why We Do It
We know The Journey of entrepreneurship involves way more than getting the capital you need to grow. Our vision involves adding value to the lives of each and every human being we are lucky enough to do business with.
Business Roadmaps Built Exactly To Your Needs
Frequently asked questions
Every deal is different and customized to fit your needs.
1. How does factoring work?
2. Get approved
3. Submit the invoices you wish to factor
4. Get approved + get funded
2. How is qualification determined?
3. How much funding will I have access to?
4. Are there termination fees if I want to leave?
5. What information do you need from me to apply?
We ask for:
General information about your business, such as address and Tax ID
Information about the business owner applying, including social security number
current financials and current AR + AP aging.
The information you provide is stored in accordance with our strict Privacy Policy and encrypted to make sure that it is always safe and secure.
6. What businesses are eligible for invoice factoring?
Any business that serves businesses or governments is eligible for Invoice Factoring. Invoice Factoring is available in all states.
The information you provide is stored in accordance with our strict Privacy Policy and encrypted to make sure that it is always safe and secure.
7. I've been denied by the bank for a loan. Can I still get funding from Dare?
Our decision process is different than a bank’s. While we take credit history into consideration we focus on the quality of your customers, not only personal credit history.
A great advantage of Dare’s invoice factoring is that you can leverage the credit-worthiness of your customers.
What People Say About Us.

Industries We Serve

Staffing

Construction

Distribution
Distributors sometimes offer a 2% discount to their customers who pay in ten days or less. It seems like a logical solution to your working capital issues. While this might work with some of your customers, it will not work with the majority of them, as your customers; also suffer from positive working capital.

B2B Services
B2B Factoring is a financial transaction, it’s when a business sells its accounts receivable (i.e., invoices) to a third party (Factoring Company) at a discounted rate. Businesses factor their receivable assets to meet its immediate cash flow need.

Manufacturing
Dare Capital offers customized factoring programs designed to meet the specific needs of each client. The key features of our factoring solutions include:
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Express On-boarding
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Month-to-month contracts
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High advance rates
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Volume-based factoring fees

IT Services
Many technology companies have a cash-flow gap because most of their customers are taking 30 days or more to pay their invoices. This is a challenge when you need the cash to meet payroll, get caught up on bills and invest in new resources.

Trucking
We help the transporation industry maintain their operations on the road by taking care of your pending invoices.
Have another industry not listed?
Dare has done it all. To get a better idea of what you are looking for, click the button below to get started.
Core Values
"A Team" Effort
We are more together than we are alone.
Our team is committed to working in lockstep with each other and our clients toward consistent long-term success.
Dare to Give, First
In Latin, “dare” means “to give.”
We believe in giving our best, putting our best foot forward, and working with clients who dare to give trust, transparency, and match our best with their own.
Further + Onwards
There is always another improvement to make.
We take a growth mindset approach to our business and our clients’ success.
Radical Transparency
We strive to never surprise anyone with anything.
We will always share information − good or bad − with each other and with our clients, explaining every decision we make to the best of our ability
Meet the Team

Cole Harmonson
Co-Founder + CEO

Debra Zukonik
Co-Founder + CCO

Casey Conlon
Partner

Carson Harmonson
Business Anaylist
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Links
- Apply for Financing
- Dare Blog
- Past Newsletters