Let's build something special

Working Capital For Growing Companies
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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

We meet with you to discuss your needs, your wants, your desires. We will help you grow. Help take your company to the next level. Let’s build something together.

Frequently asked questions

Every deal is different and customized to fit your needs.

1. How does factoring work?
1. Apply online

2. Get approved

3. Submit the invoices you wish to factor

4. Get approved + get funded

2. How is qualification determined?
Qualification for Dare Capital is determined based on a number of factors. These factors include, but are not limited to, your business cash flow, the strength of your customers, and to a lesser extent your personal and business credit history. You do not have to have perfect credit to work with us. We work with a broad range of clients, including those with below average credit.
3. How much funding will I have access to?
Dare Capital offers funding between $5,000 and $5,000,000. Your credit line or loan amount will be determined based on a review of your business, personal FICO score, as well as other factors.
4. Are there termination fees if I want to leave?
No. As long as you have no balances outstanding, and your contract term has ended,you can stop using Dare Capital with no penalties or fees.
5. What information do you need from me to apply?
The Dare Capital application is three simple steps that can be completed in minutes.

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?
To meet the minimum requirements for Invoice Factoring and you must have a personal credit score of 530 or more.

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?
Yes. That is why we are here.

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.

I have seen firsthand the positive impact Cole on his clients, assisting them to capitalize on opportunity and reach their maximum potential. There is no one else I would recommend as strongly.

– Chris Croom | CEO of Aegis Energy Risk

Debra always does what she says she'll do. She's helped us through rough spots and assisted on critical decisions. Our relationship has been critical to our company's success.

– Arlen | CEO of Design & Engineering Firm

Cole will take the time to understand your business, and provide a solution that is in the best interest of your needs.

– Carrie Arsenault | Founder of Accountability Resources

Industries We Serve






From payroll funding to payroll processing, staffing software, and back-office solutions we have you covered. Our program options and partner relationships provide resources and tools that lay the groundwork for success.


We can customize a construction factoring line for most any situation. Whether it’s simply getting steady cash or for needs such as expansion and growth, slow-paying customers or tax liens, Dare Capital can work with you.


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.


Dare Capital offers customized factoring programs designed to meet the specific needs of each client. The key features of our factoring solutions include:

  • Express On-boarding

  • Month-to-month contracts

  • High advance rates

  • 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.


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


Carson Harmonson

Business Anaylist

Get In Touch


Call Us

512-886-DARE (3273)



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Send us a message below and we will get back to you ASAP.

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