J&D Financial (www.jdfinancial.com) is a family owned and operated commercial finance firm specializing in factoring, purchase order financing, and other types of alternative funding. Founded in 1972 by Jack Carmel, J&D has provided cash flow solutions to businesses nationwide for over 40 years. Now led by the second generation of the family, J&D has offices in California and Florida. As a privately held company, J&D is committed to providing an unparalleled level of personalized service and flexible lending to businesses across a wide range of industries from textile, apparel and furniture manufacturing, electronics and household products to distribution and service industries including staffing, security and food services, and more as well as for exporters selling to overseas buyers. We serve small to medium sized businesses with monthly sales of $5,000 to $3,000,000 from start- up throughout the company’s life cycle. When you need funding to make payroll, pay suppliers or speed up cash flow or you are unable to secure traditional bank financing, J&D can help with fast, creative funding solutions to achieve your goals.