Corporate Financial Services, Inc. provides commercial finance to businesses across Maryland from Hunt Valley. Our building and our name both sit in a neighbourhood full of wealth managers, so it is worth saying at the top: we do not manage anybody's investments. We fund equipment, stock and the gap between invoicing and getting paid.
Worth checking before any first conversation, with anyone
Who we are
Corporate Financial Services, Inc. is a commercial finance company on Wight Avenue in Hunt Valley, Baltimore County. We are not a bank — we take no deposits and hold no accounts — and we lend only to businesses.
Hunt Valley is thick with financial firms, most of which do something quite different from what we do. Wealth managers, registered investment advisers and brokerage offices are all in the neighbourhood, and a name like ours does nothing to help a stranger tell us apart from them. Hence the banner at the top of this page.
What we actually do is narrow. A machine needs buying. Stock has to be paid for before a customer settles. Payroll falls due on the fifteenth while the invoice clears on the thirtieth. Those are financing problems, not investment questions, and they are the only kind we take on.
Two firms on the same street can share half a name and share none of the same obligations to you. Ask which one you are sitting with.
Companies and sole proprietors, never consumers
No investment management, no securities, no insurance
Total repayable and schedule before signature
Serving Maryland businesses
Our facilities
Each facility below is tied to an identifiable purpose and a source of repayment. We do not offer open-ended credit lines.
Machinery, vehicles, kitchen and production equipment — assets that earn from the day they are switched on and hold value if things go wrong.
Advancing against invoices already issued to creditworthy customers. Where the only problem is a sixty-day payment term, this addresses it directly.
Payroll, rent and supplies through a stretch where outgoings run ahead of collections — with a defined term rather than an open facility.
Funding stock or a confirmed order larger than your own reserves can carry, repaid when the customer settles.
Building out a unit, adding a line or opening a second site — expenditure that lands well before it produces any revenue.
Replacing several costlier obligations with one facility — but only where the arithmetic genuinely improves, which we will work out with you.
Said plainly
The financial services industry uses similar language for very different activities, and the differences determine what duties a firm owes you. These four questions sort most of it out in about ninety seconds, and any legitimate firm will answer them without hesitation.
Lending and advising are different businesses with different duties
Interest from me, commission from a third party, or a fee for advice
Not the monthly figure. The total, in writing, before signing
Ask before you borrow, not after. The answer should be in the document
How it works
What the funding is for, what repays it, and by when you need it.
Financials, customers and payment terms, read by people rather than a score.
Amount, rate, schedule, total repayable and any security required.
Funds released, with a contact who is still reachable next year.
Client feedback
I came in thinking I was meeting a financial adviser, because of the name and the building. It was explained to me in the first two minutes that this is a lender and what the difference means. I have never had a firm draw that line for me unprompted.
We needed a machine faster than our bank could move on a ticket that size. The total repayable was on the table at the first meeting rather than the last, which is the only thing I actually wanted.
They went through our pricing and showed that our biggest contract had not been repriced in three years while our costs had. Borrowing would have funded the loss. We renegotiated instead and came back later for the equipment.
FAQ
Get in touch
The purpose, the source of repayment and your timing. If it turns out you need an adviser rather than a lender, that will be the first thing we say.