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Bay View Funding

Listed
Factoring company for invoice factoring and working capital loansSan Jose, CaliforniaServes US businesses; availability varies by program and state
BBLL 000322Listed Oct 2026From public recordsLast checked Oct 31, 2026
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About

Bay View Funding purchases business invoices and manages collections. Its published funding ceiling is $15 million; the advertised starting rate needs a period and complete fee schedule before it can be compared.

Factoring company. Buys or advances against business invoices.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Invoice factoringWorking capital loans
General small business
From the lender's own site and public records.

A second look at Bay View Funding

Bay View Funding purchases business invoices and manages collections. Its published funding ceiling is $15 million; the advertised starting rate needs a period and complete fee schedule before it can be compared.

Direct invoice factoring provider operating as Bay View Funding. Confirm the legal invoice purchaser in the agreement; older corporate announcements identify a Heritage Bank of Commerce subsidiary.

Published by Levr, not by Bay View Funding. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked October 31, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Accounts receivable factoring

Funding
Up to $15 million advertised, with funding possible in as little as 24 hours after applicable approval and verification.
Pricing
Rates advertised from 0.5%, subject to change. The page does not specify a universal charging period, so this is not an APR.
Promotion
A limited-time offer advertises no application, setup or minimum monthly fees for new customers only; monthly minimum charges are subject to change.
Business fit
Published sectors include staffing, transportation, distribution, government contracting, manufacturing, oil and gas, and wholesale.

Provider sources: Funding and promotional terms

Collections and lien review

Customer involvement
Bay View contacts customers to collect purchased invoices and provides collection reminders, credit monitoring and an invoice portal.
Existing liens
Applicants must disclose receivables and tax liens. Existing-lender subordination may be needed; acceptance is not automatic.

Provider sources: FAQ · Company information · Corporate background announcement

When it may fit

Our assessment of the published programs

  • B2B businesses needing invoice funding plus collection support.
  • Firms prepared for their customers to deal directly with the factor.

What to weigh carefully

  • A promotional fee waiver does not establish ongoing renewal terms.
  • No universal advance, reserve, contract duration or recourse protection is established on the reviewed pages.
  • A bank affiliation does not by itself make this factoring product an SBA loan.

Questions before you accept an offer

  1. What period does the quoted fee cover, and what happens after that period?
  2. What monthly minimum applies after the promotion?
  3. What customer-credit losses are covered, and what disputes require repurchase?
  4. Who is the legal purchaser and what consent is needed from our current lender?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

United Capital Funding

United Capital Funding also supports commercial and government invoice funding with published customer-notification requirements.

Riviera Finance

Riviera Finance explicitly describes nonrecourse customer-credit protection, useful when comparing risk allocation.

The lender

Type
Factoring company
Legal name
Not yet provided Add it
Founded
1985
Charter
Not yet provided Add it
Headquarters
San Jose, California
Service area
Serves US businesses; availability varies by program and state
Meets in person
Not yet provided Add it
Languages
Not yet provided Add it
Program approvals
Not yet provided Add it
Also lends to consumers
Not yet provided Add it
Website
bayviewfunding.com
LinkedIn
Not yet provided Add it

Loan officers at this lender

No loan officers listed yet. Work here? Claim your profile.

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