Built by an Operator
Who Uses Factoring.
Before launching Heritage Factoring, founder Justin Grimes implemented structured invoice factoring within his own construction and manufacturing companies. It became a strategic advantage — not a necessity.
Operator Background
Operator Approach
Justin Grimes founded Heritage Factoring after years of building and operating businesses in construction and manufacturing. The challenge was always the same: strong operations, steady work, but cash flow constrained by 60–90 day payment cycles.
Banks moved too slow. Equity was expensive. Traditional financing didn't understand retainage, progress billing, or material deposit timing. Factoring solved the problem — not as a lifeline, but as a strategic growth tool.
Heritage was created to share that advantage with other disciplined operators.
We understand job progress billing, lien release coordination, material deposit requirements, and production cycle cash flow — because we've managed them ourselves. This isn't theoretical. It's operator-to-operator capital.
Justin Grimes
Founder & Operator, Construction and Manufacturing
Operator-Led, Institutionally Backed
Heritage combines hands-on operational expertise with institutional-grade capital infrastructure to deliver consistency, speed, and reliability.
We understand the field because we work in it. But our capital structure is designed for permanence. This combination of operator insight and institutional stability means we move fast when you need it — and we're built to be your partner for the long term.
Heritage Factoring exists to normalize and elevate invoice factoring as a disciplined growth tool for industrial operators.
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