The Hedaya Capital Group Supports Apparel Wholesaler With Credit and Collections Factoring Facility

Company projects $5 million in sales for 2026

Tailored solution shields wholesaler from credit losses and volatile market shifts

Facility positions the Company to scale up sales without adding staff to credit or accounts receivable deptartments

The Hedaya Capital Group announced a partnership with a New York-based apparel wholesaler through a new Credit and Collections Factoring Facility. The facility effectively outsources the Company's credit and accounts receivable department to Hedaya, enabling the business to focus on growth, protect itself against losses, and free its internal team to prioritize core operations and sales rather than credit, collections, and bookkeeping.

The Company purchases closeout merchandise and overstock from major brands and resells these goods to off-price and regional retail customers across the United States, such as Ross Stores, Inc., Beall’s Outlet, Variety Wholesale, and Huck Finn Clothes. An associate in the apparel industry referred the Company to Hedaya for their knowledge of the industry and personalized, cost-effective accounts receivable management solutions.

Under the facility, Hedaya purchases and manages the Company's accounts receivable, performing credit checks and approvals on customer orders and managing the collection process directly with the Company's customers. For credit-approved customers, Hedaya provides a credit guarantee, meaning the Company is paid even if a customer is unable to pay due to financial hardship—functioning much like a credit insurance policy, but one for which claims are typically faster and easier to collect on than a claim filed with an insurance carrier. Because Hedaya deals directly with the Company's customers, it also gains firsthand insight into their payment trends, helping identify and avoid potential losses before they occur—and in some cases accelerating payment, since customers know their invoices are being actively monitored.

Hedaya also provides the back-office reporting the Company would otherwise need to staff internally, including cash application, chargeback reporting, and accounts receivable agings. With the facility in place, the Company can grow its revenue several times over without adding personnel or overhead to its credit or accounts receivable functions.

“We act as a growth partner, not just a funding source for our clients,” said Ezra Hedaya, Principal. “Our specialized credit and collections management service minimizes bad debt risk, lowers fixed overhead, and equips clients with the financial insights needed for confident business decisions and stronger risk management. We are excited to see this relationship grow.”

The transaction reflects The Hedaya Capital Group’s continued focus on providing flexible receivables solutions to apparel, consumer products, and wholesale businesses looking to scale without adding credit and back-office overhead.

About The Hedaya Capital Group

Since 2003, The Hedaya Capital Group has been providing flexible financing solutions that enable companies to maximize growth and respond to transitional situations. As a family-owned and operated firm, we are deeply invested in the success of each of our clients. We work from a core of old world values where ethics have meaning and new world thinking where speed and flexibility ensure success. For more information, visit www.hedayacapital.com.