Best for flexible contracts·Updated July 18, 2026
Scale Funding Review 2026
Best for month-to-month contracts without long-term lock-in
3.8out of 5
Scale Funding, formerly TBS Factoring· Legal entity
1994 as TBS, rebranded Scale Funding· Founded
Up to 90 percent, 95 percent trucking· Advance rate
1 to 4 percent per 30 days· Factor fee
24 hours on verified invoices· Funding speed
$30M· Maximum facility
Month-to-month contracts without annual lock-in· Specialty
Our Verdict
3.8
Based on our independent review
Ease of Use
0.0/5
Pricing & Value
0.0/5
Features & Add-ons
0.0/5
Customer Support
0.0/5
24 hours
0.0/5
Pricing Transparency
0.0/5
Privacy & Data
0.0/5
Best For: Seasonal businesses, trial-mode users, or anyone who refuses to sign a 12-month factoring contract on principle.
Top Advantages
- Genuine month-to-month contracts available
- Facility sizes up to $30M
- Industries covered include trucking, staffing, oil/gas, cleaning
1 to 4% per 30 days
Scale Funding Overview
Scale Funding is a 1994 shop formerly branded TBS Factoring, based in Oklahoma and operating across trucking, staffing, oil and gas, commercial cleaning, telecom, and light manufacturing. The differentiator is contract structure. Scale Funding is one of the few factors in the 10-name shortlist that offers a genuine month-to-month option instead of forcing a 12-month commitment with an early termination fee.
Pricing sits in the mainstream range at 1 to 4 percent per 30 days, advance rate up to 90 percent, funding in 24 hours on verified invoices, and a maximum facility of $30M. Recourse is standard with non-recourse available. The trucking history from the TBS era means the operational machinery for owner-operators and small fleets is mature.
Scale Funding is the pick if you want a factoring facility without signing a 12-month contract on day one. You pay for that flexibility with fees roughly 25 to 50 basis points above what altLINE or Universal Funding would charge at the same volume, but for a business that is unsure how long it will need factoring, the month-to-month option is worth the spread.
Scale Funding Pricing Plans
12-month contract
Most Popular1 to 4%per 30 days
Standard commercial factoring contract with renewal
- Up to 90% advance (95% trucking)
- 24 hour funding on verified invoices
- Up to $30M facility cap
- $10,000 monthly minimum typical
- Lowest base rate tier
Month-to-month
1.25 to 4.5%per 30 days
Premium rate is the tradeoff for contract flexibility
- Same advance and funding speed
- No 12-month lock-in
- $25,000 monthly minimum typical
- 25 to 50 bps premium on rate
- Cancel with 30 days notice
Non-recourse add-on
+0.25 to 0.75%per 30 days
Added to base factor fee, not a replacement
- Factor absorbs customer insolvency risk
- Per-customer credit approval
- Available on both contract types
- Does not cover disputes or quality issues
Scale Funding Pros and Cons
Pros
- Genuine month-to-month contracts available
- Facility sizes up to $30M
- Industries covered include trucking, staffing, oil/gas, cleaning
- Non-recourse option
- Founded 1994, experienced underwriting team
Cons
- Fee schedule often higher than 12-month competitors
- Smaller book means less industry specialisation vs RTS or Triumph in trucking
- Less brand recognition in small-business finance
From TBS Factoring to Scale Funding
Scale Funding started life as TBS Factoring in 1994 and rebranded in the mid-2020s. The TBS heritage matters because it means the trucking back-office machinery is mature, the fuel card relationships are established, and the operational staff knows how to handle owner-operator files without the usual friction that trips up generalist factors.
The brand refresh was about positioning Scale Funding as a multi-industry factor instead of a trucking-only shop, which is accurate. The company now factors for staffing, oil and gas, commercial cleaning, telecom, and manufacturing in addition to the core trucking book.
Pricing
Factor fee runs 1 to 4 percent per 30 days. On a $30,000 invoice funded for 30 days at 2.5 percent, the fee is $750, a 30.4 percent annualized equivalent. At the low end, 1 percent per 30 days is a 12.2 percent APR equivalent. Fee grading is customer credit, volume, and contract length.
Advance rate is up to 90 percent for non-trucking, and can push to 95 percent for trucking. Funding speed is 24 hours on verified invoices. First funding takes 3 to 7 business days.
Month-to-month contracts, the differentiator
Most factors in the category default to 12-month contracts with early termination fees in the 1 to 3 percent of remaining minimum volume range. Scale Funding offers both a month-to-month option and a standard 12-month option. The month-to-month rate carries a fee premium, typically 25 to 50 basis points above the 12-month rate.
The math. If you are paying 2.25 percent per 30 days on month-to-month versus 1.85 percent on a 12-month commitment, the spread on $100,000 per month in factored volume is roughly $400 per month, or $4,800 per year. For a business that might only need factoring for 8 months, that premium is cheaper than locking into 12 months and paying an ETF to break the contract.
Trucking fit
Scale Funding supports fuel advance programs, standard in trucking. The company integrates with TCH, EFS, and Comdata fuel cards. Fuel discounts are in the $0.05 to $0.25 per gallon range depending on network, which is competitive but not as aggressive as RTS Financial's up-to-$0.40 per gallon program.
Load board integrations work with DAT and Truckstop. Drivers can submit a load confirmation and rate con through the mobile app and get funded on verified invoices the same day. Dispatch tools are lighter than what Triumph offers through TriumphPay, but adequate for small fleets.
Non-trucking industries
Staffing is the second-largest book after trucking. Typical staffing factor fees run 1.5 to 3 percent per 30 days with 90 percent advances. Payroll funding is same-day after first funding clears.
Oil and gas, commercial cleaning, and telecom are all served on standard commercial factoring terms. Construction is accepted on a case-by-case basis because construction receivables often involve progress billing, lien waivers, and retainage that require more specialized underwriting. 1st Commercial Credit is usually the better pick for construction.
Contract specifics
Monthly minimums apply. Typical floor is $10,000 per month on the 12-month contract and $25,000 on month-to-month. The higher month-to-month floor is designed to filter out hobby factoring and keep the client base at a size Scale Funding can service profitably.
Early termination fee on the 12-month contract is typically 1 to 2 percent of the remaining monthly minimum commitment. Negotiate this on the front end. Ending a contract early without an ETF is possible if you can demonstrate material breach on the factor's side, which is a lawyer conversation.
Customer sentiment and reputation
Scale Funding's public review footprint is smaller than FundThrough or RTS. BBB rating is A+, with a handful of closed complaints in the past three years. Trustpilot presence is limited. The brand transition from TBS means older review traffic is fragmented between two brand names.
Reddit and Truckers Report threads surface Scale Funding occasionally for owner-operators, usually positive on funding speed and responsive account managers. Operational hiccups mostly cluster around the rebranding transition period in 2024 to 2025, which appears to have settled.
Who should pick Scale Funding
Pick Scale Funding if you want a factoring facility without a 12-month lock-in. Pick it if you are trucking but want a broader multi-industry factor in case you pivot the business. Pick it if you need month-to-month flexibility and the 25 to 50 basis point premium is worth it for you.
Skip Scale Funding if you are trucking and want the deepest fuel card discount (RTS), if you need non-recourse protection (Riviera), if you need the lowest fees and can commit to 12 months (altLINE, Universal Funding), or if you are in construction with progress billing (1st Commercial Credit).
Scale Funding vs. Top Competitors
| Service | Learn More | ||||
|---|---|---|---|---|---|
Scale Funding Best for flexible contracts 1 to 4% per 30 days 3.8 | 1 to 4% per 30 days | N/A | 3.8 | Seasonal businesses, trial-mode users, or anyone who refuses to sign a 12-month factoring contract on principle. | Current Review |
 RTS Financial 1.5 to 3.5% per 30 days 4 | 1.5 to 3.5% per 30 days | 1.5 to 3.5% per 30 days | 4 | Trucking with up to $0.40 per gallon fuel card discount | |
 Triumph Business Capital APR from 1% 2.8 | APR from 1% | $15,300 | 2.8 | Trucking owner-operators and small fleets with TriumphPay | |
 altLINE Factor rate from 0.5% 3.8 | Factor rate from 0.5% | $16,825 | 3.8 | Lowest fees with bank-backed stability | |
 Riviera Finance 2 to 5% per 30 days 4.2 | 2 to 5% per 30 days | 2 to 5% per 30 days | 4.2 | Non-recourse credit protection with in-person service |
Final Verdict
3.8 / 5
Scale Funding is the flexibility pick. Month-to-month contract option is rare in the category, 24 hour funding, up to $30M facility, trucking machinery inherited from the TBS era. Pay 25 to 50 bps more than the cheapest for the freedom to walk.
Visit Scale Funding
By StartupOwl Team, LLC Formation Expert
Frequently Asked Questions
Month-to-month contract option is the main differentiator. Most factors in the category default to 12-month contracts with early termination fees. Scale Funding offers a real month-to-month alternative at a 25 to 50 basis point premium, which is cheaper than locking in and paying an ETF to break the contract if your need for factoring is under a year.
1 to 4 percent per 30 days on the 12-month contract. Month-to-month runs 1.25 to 4.5 percent per 30 days. On a $30,000 invoice at 2.5 percent for 30 days, the fee is $750, which is a 30.4 percent annualized rate. The specific rate depends on your customer credit, volume, and contract type.
Yes. Scale Funding is the rebrand of TBS Factoring, which operated from 1994. The TBS trucking heritage means the operational machinery for owner-operators and small fleets is mature, including fuel card integrations and load board workflows.
Trucking is the largest book, followed by staffing, oil and gas, commercial cleaning, telecom, and light manufacturing. Construction receivables are accepted case-by-case because progress billing and lien waivers need specialized underwriting. For pure construction factoring, 1st Commercial Credit is usually a better fit.
3 to 7 business days for first funding after application, AR aging review, and customer credit checks clear. Once the facility is live, ongoing advances land in 24 hours on verified invoices.
This review reflects independent, first-hand testing by the StartupOwl team. Affiliate relationships never influence our ratings or recommendations. Read our editorial policy →
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