When you need funding and you need it fast, trust Commonwealth Capital to get it done.

We believe that small businesses are the lifeblood of the American Economy. That’s why at Commonwealth Capital we believe that an independent factoring company understands your business best. We provide accounts receivable financing, invoice factoring, payroll funding, and freight factoring to businesses throughout Minnesota, the Upper Midwest, and the United States.

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Accounts Receivable Factoring For Hardworking Business

Unlock Cash

Cash flow is the lifeblood of every business. At Commonwealth, we make it easy to get cash–fast. By factoring your invoices you can have cash in your bank account within hours of invoicing instead waiting weeks or months!

Free Up Time

Stop worrying about when you’ll receive that big check so you can meet payroll. Take the hassle out of your accounts receivable by handing the collection and invoice payment responsibilities to Commonwealth.

Grow Your Business

Unlike a bank line of credit, which has a maximum amount, our capital is designed to grow as your business grows. By having quick, easy access to cash, most of our clients rapidly grow their sales when they start factoring.

Factoring is the selling of invoices, or accounts receivable, to a factoring company for immediate cash. The factoring company acts as an outsourced credit department, handling the collection and processing payment on the invoices. This service helps small businesses because they don’t have to spend time managing payments, making collection calls, and figuring out which invoices have been paid and which are still outstanding.



Factoring is all we do and we know the factoring business well. When you call, you talk with someone who knows your business inside and out. Guided by our Midwestern values, we are here to serve you and help your business grow.

At Commonwealth, we hate bureaucracy. We give each and every client the same easy access to decision makers, no matter their size.

Ben Van Zee -Color Headshot 2018 Square

Ben Van Zee

President / Owner

Merry Close -Color Headshot 2018 Square

Merry Close

Relationship Manager

Freight Factoring Expert

Andy Womack -Color Headshot 2018 Square

Andy Womack

Relationship Manager

Freight Factoring Expert

At Commonwealth Capital, our specialty is providing cash flow to small- to medium-sized businesses through accounts receivable factoring. By providing cash flow quickly and easily, our clients can focus on growing their businesses instead of worrying about a lack of working capital. Our clients have cash in their bank account within days of invoicing, instead of weeks or months, a speed unmatched by other freight factoring companies.


Thank you for trying to be on top of them. Crazy that they are net 30 days and they still can’t get it paid. I’m VERY thankful for Commonwealth…If it was just me ‘waiting patiently’ I surely wouldn’t have made it!!

“I consider Ben a true partner. It’s not just a transaction to him, he keeps in touch to see how things are going. It takes time and trust to build relationships and Commonwealth provides both. They are that rare breed of company that does what they say and says what they can do.”

“I am glad to have Merry watch over what I am doing, it does not hurt to have different set of eyes [when it] comes to doing all these [documents].”

“Thanks Merry! I texted Tim to let him know that at least one person has his back :)”

Located in Minnesota. Factoring Companies Nationwide.

Based in the Twin Cities of Minneapolis-St. Paul, Minnesota, we provide our clients with many advantages over our national competitors. Because we live and work in Minnesota, we know the local economy. We’re able to meet with our clients, tour their facilities, and provide personalized service. We work with you to understand your business and build a strong relationship that you can rely on. Find out how you can benefit from using a Minnesota-based factoring company.