Our Business – Fast, Flexible Financing Solutions

For nearly 40 years, Accord has consistently provided fast, practical solutions for companies in transition.

Who we are

Accord Financial is one of North America’s leading independent finance companies that provides distinctive working capital solutions to small and medium-sized companies across the United States and Canada. With offices in Chicago, Greenville (SC), Santa Monica, Montreal, Toronto and Vancouver, we offer a broad range of finance programs from $5,000 to $20,000,000. Whether our clients are shifting into growth mode, or restructuring and rebuilding, Accord is there Keeping Business Liquid.

Versatile finance programs

Our versatile finance programs cover the full spectrum of asset-based lending, from factoring and retail inventory finance to equipment leasing and supply chain finance. While our programs are tailored to the needs of each client, our goal remains the same: to allow our clients to transform their assets into valuable working capital, which fuels their next phase of growth. And our nearly forty years of experience allows us to serve a broad base of the continent’s most dynamic industries with confidence.

Entrepreneurs serving entrepreneurs

We believe that SMEs are the most dynamic force in our economy, essential to our competitive edge, growth and economic success. We are committed to supporting manufacturers, retailers, wholesalers, distributors and importers-exporters, as well as a range of service-related industries. We are equally comfortable financing growth, (including start-ups, buyouts and acquisitions) or financing through a turnaround or restructuring.

At heart, we are entrepreneurs committed to supporting business people and their investors. We understand that time is money and that’s the reasons why we give you unparalleled access to our senior decision-makers. At Accord, we deliver with integrity. 

Fully transparent

We are a publicly-listed company on the Toronto Stock Exchange (TSX:ACD) which means that our financial strength and performance is accessible for review. We believe it is important for borrowers to know that the company they rely on for financing is itself financially strong, which makes us a lender of choice for private equity partners, finance professionals and their client companies.

Strong network

Our network of affiliations allows us to continually refine our services and stay ahead of the curve. Our active memberships include:

  • International Factoring Association
  • Factors Chain International
  • Commercial Finance Association
  • Association for Corporate Growth
  • Turnaround Management Association
  • Small Business Advocacy Council
  • Opus Connect
  • Alliance of Mergers & Acquisitions Advisors
  • American Bankruptcy Institute

What we do

We leverage our unique combination of financial strength, deep experience and independent thinking to craft winning financial solutions for small and medium-sized enterprises from coast to coast.

We understand the needs of both growing and more established companies and are able to provide a full spectrum of specialized finance programs including:

Asset-Based Financing

  • Asset-based lending (ABL), including specialized programs such as retail inventory financing, debtor-in-possession (DIP) financing, lender finance as well as PO financing via Letters of credit
  • Accounts receivable financing/factoring
  • Equipment finance including leasing
  • Accounts receivable management (credit and collection services)

Small Business Financing


Accord Financial was established in 1978 in response to a growing need (not met by traditional lenders) for flexible financing solutions for North American small and medium-sized businesses.

Over the years, we have steadily expanded, broadening our product range and extending our reach, which has given us more ways to deliver flexible and creative financing options. We have grown dramatically since 1978, but Keeping Business Liquid has remained our driving force. 

Here is a more detailed timeline of our beginnings, business ventures and acquisitions: 

1978: Accord Financial commences operations in Toronto and Montreal after raising $2 million in starting capital. The first full year of operations (1979) sees factoring volume reach $92 million.

1984: Acquires Kerlen Factors Ltd., its first acquisition.

1986: Acquires the Canadian factoring business of Heller Financial.

1990: Acquires U.F. Financial Services Inc.

1992: Goes public on the TSX, after which it acquires majority control of JTA Factoring in the US and 100% of Montcap Financial Corp. in Canada, establishing a complete North American presence.

1996: Acquires the balance of Accord Financial, Inc. (formerly JTA Factoring) and the totality of Skyview International Finance Corp., a company specialized in import finance.

1998: Acquires the factoring portfolio of Richards Capital Corp. (Dallas).

2005: Acquires iTrade Finance, a specialty company financing international transactions.

2012: Introduces AccordOctet, an innovative supply chain finance program.

2013: Acquires Brome Capital’s portfolio.

2014: Completes the strategic acquisition of Varion Capital Corp. (dba as Accord Small Business Finance), a Canadian lease finance company.

2015: Introduces AccordAccess, an unsecured working capital loan solution for small businesses.

2017: Completes strategic investment in Santa Monica-based film and television financier BondIt Media Capital.

2017: Acquires 90% interest in CapX Partners, a Chicago-based equipment finance business.

Do you have a question or ready to take the next step?

Client Testimonial

“In 2014 we were faced with sudden growth and began an immediate search for a trusted financial partner. After several months of research while banks were held up by their administrative procedures Accord was the one that came through and presented a quick and effective proposal. Within a few weeks, we were seeing the benefit from our growth without having to worry about our financial future, and we were able to focus on what we do best: growing our business. Accord Financial: A partner who understands and respects its customers. Congratulations to the whole team.”

Michel Coutu,
Location Accès Crédit Inc.

QC Client since 2015