Company profile
Charter Capital
Public disclosure profile. This page does not rate, rank, endorse, or collect applications for Charter Capital.
Limited public disclosure found. Limited public disclosure found. Advance rates, fee structures, recourse terms, and contract length are not publicly stated on the company website. Most data fields in this profile could not be sourced from public information and are marked as not publicly disclosed. Specific program terms and eligibility requirements require direct inquiry with the company before drawing conclusions.
Public data fields
Headquarters
Not publicly disclosed
Industries served
Invoice factoring services are publicly described; specific industry coverage should be verified.
Recourse availability
Not publicly disclosed
Non-recourse availability
Not publicly disclosed
Fuel advance availability
Not publicly disclosed
Same-day funding claims
Not publicly disclosed
Advance rate
Not publicly disclosed
Fees
Not publicly disclosed
Contract length
Not publicly disclosed
Publicly disclosed information
- Charter Capital is publicly identified as an invoice factoring provider for small and mid-size businesses. Official pages describe receivables purchasing as the core product.
- Website materials describe working capital solutions for multiple industries including staffing, manufacturing, and service businesses. Specific industry exclusions or focus areas are not publicly detailed.
- Charter Capital is a smaller regional factoring provider. Its public web presence is more limited than large national providers, which reduces the amount of program detail available without direct contact.
- No IFA membership, third-party audit, or public licensing reference was identified in the sources reviewed. Program terms and pricing require direct verification.
Not publicly disclosed
- Applicant-specific effective factoring fee and all add-on charges.
- Final advance rate for a particular customer, invoice, and debtor.
- Contract length, renewal, termination fee, and minimum-volume obligations unless stated in the agreement.
- Complete recourse exceptions, chargeback triggers, reserve hold rules, and UCC filing scope.
Contract terms to verify
- Whether invoices are purchased with recourse, limited recourse, or non-recourse terms.
- Advance-rate formula, reserve percentage, fee accrual period, and all additional charges.
- Reserve release timing after customer payment, including offsets and short-pay handling.
- Minimum monthly volume, monthly minimum fee, term length, renewal process, and notice deadline.
- UCC filing scope, lien release process, notice of assignment, lockbox, and collection control.
- Chargeback, dispute, concentration-limit, and debtor-credit-limit rules.
Questions to ask before signing
- Which industries does Charter Capital currently fund, and are there any industry exclusions?
- What is the complete fee schedule, including all base, tiered, and ancillary charges?
- Is the factoring program recourse, non-recourse, or a combination?
- What is the advance rate range for a business in my industry?
- How soon is reserve released after full customer payment?
- Are there monthly minimums, early termination fees, or automatic renewal windows?
- Does the program use a notice of assignment, and who handles customer collections?
- What is the UCC filing scope, and what triggers a lien release at program exit?
Source notes
- Profile draws on official Charter Capital website pages only. Public disclosure depth is significantly more limited than larger national factoring providers.
- Smaller regional providers often require direct contact to obtain pricing, program terms, and eligibility requirements. This profile should be treated as a starting point, not a complete picture.
- No rating, endorsement, or approval claim is inferred from any source used in this profile.
Related reading
Sources
- Charter Capital - Charter Capital. Accessed 2026-05-19.
- Charter Capital Invoice Factoring - Charter Capital. Accessed 2026-05-19.
- Charter Capital Contact - Charter Capital. Accessed 2026-05-19.
Financial disclaimer. This page is educational only and is not financial, legal, tax, accounting, or credit advice. Factoring terms vary by provider and contract. Read the full disclaimer.