About Us

Steven Elias, Steve Capper and Sol Capper are the founding principals of Flexible Funding. They bring extensive experience with business administration and accounts-receivable financing dating back to the 1940's. Combining Steven's knowledge of the staffing industry and Steven and Sol's business and marketing expertise, they launched Flexible Funding in 1992.

They had a clear mission for their new company: to be different from factoring companies; to offer programs with lower rates and no hidden fees for long-term contracts; to be transparent to the staffing infustry; and to be a trusted partner and advisor that would help staffing agencies grow their business.

About Flexible Funding

We are committed to being a transparent funding company for our clients in the following capacities:

  • Payroll Funding Roots: Since 1992, we have offered flexible payroll funding to staffing agencies at competitive rates. We tailor your funding plan to fit your unique business needs. Our experience includes working to get startups established quickly and efficiently — servicing reputable staffing companies bidding on large contracts and helping companies free cash flow so they can flourish.
  • We Look Beyond Staffing: We've had great success offering an easy to use 'Replacement To Factoring' financing program, based on good accounts receiveables to a wide variety of industries with the most agreeable contract in the market.
  • Growth Consulting: Our exclusive arrangement with Optimal Management allows us to provide consulting services to staffing agencies. Optimal Management offers insights into your business's performance, strategic and tactical plans, retention and motivational plans, and more to help your business maximize sales growth, company value and profits.
  • Factoring Services: Our payroll factoring company services are here to help if your business has reached a borrowing ceiling with your bank or you are having a difficult time securing a line of credit. Our Factoring Facilities program grants you an immediate cash advance of up to 90% of your accounts receivable if you have already qualified. Our Factoring Facilities program allows you to use your available funds to help your business grow. You can maintain your existing relationship with your bank. Additionally, we offer complete back office support to eliminate the burden of tracking payments and collections.
  • Billing Integration: As a funding company for staffing agencies, Flexible Funding wants to make the entire process easier for you. We work to help you seamlessly integrate all of your payroll systems and services while managing old and new technologies — regardless of how your staffing agency makes payroll for its temporary or contract employees. We can create a custom program, develop reports and analyze data — all in an effort to ensure you are making payroll on time and that you have the necessary information to keep your business on track.

About Flexible Funding

How we’re different

Flexible funding provides temp agency financing, accounts receivable financing, accounts receivable funding, payroll financing, payroll processing and back office support for staffing agencies and construction companies. Contact Flexible Funding for all your staffing and industry funding needs. We are the staffing industry payroll funding experts.

Steve Capper

Managing Member, CEO

Received his Bachelor of Science in Business Administration from the California State University system (majors in both Marketing and Accounting specialties). In 1992, Steve Capper teamed up with currently-retired Flexible Funding Managing Member/CFO Steven Elias, an (then) active veteran of the staffing industry, to start Flexible Funding

Paul DeLuca

Managing Member

From 1999 until present, Paul grew a national commercial finance portfolio of factoring, asset based lending and purchase order funding from 5MM to over 45MM. Completing over $1B in staffing industry buyouts, this tenure was invaluable in exposing him to many different situations that a staffing company may find itself in, whether in growth, restructuring, or exit mode. With commercial finance experience in credit, software, accounting systems, banking, insurance, and payroll processing have all provided the skills to head up daily general operations of Flexible Funding.

Sol Capper

Funding Advisor - Early Years Principal

Sol Capper, originally from Brooklyn, NY, earned his Bachelor of Business Administration at City College of New York. He eventually ended up as a national apparel manufacturer (based in San Francisco) for thirty years, all the while, funding the accounts receivables of many other different businesses. He and Son Steve Capper partnered with Steven Elias to get Flexible Funding off the ground.

Nash Liao

Chief Operations Officer

Flexible Funding grew to a size that needed a higher level of information systems. Steven Elias went to his MBA alma mater to find a graduate student who could work part time designing and programming exactly what was needed. He not only built Flexible Funding’s systems at that point but also ran operations as a backup for Steven, and quickly soaked up all aspects of the funding industry. When he graduated with his Masters degree (MBA), it was an easy transition to become a full time team member.

Mark Miller

Head of Underwriting & Contracts

Mark supported himself in college (California State University Long Beach) as a freelance artist, then spent many years as a Network Manager for AT&T. Mark is a wordsmith par excellence for the company, truly understands and is able to convey our philosophy in the marketplace. He most enjoys strategizing with Steve, while underwriting with his left hand and drinking coffee with his right!

Jason Ridge

Portfolio Manager

Jason started his career in Asset Based Lending over 15 years ago with a mid-size Asset Based Lender. He left the ABL industry temporarily to work as a staff auditor for the Oklahoma State Auditor and Inspector and also worked briefly in public auditing for a local CPA firm in Oklahoma City, OK. More recently, he has worked in a Lender Finance division of a large public bank and served as Vice President and E.R.S. Manager. He joined Flexible Funding in July 2017 as the Portfolio Manager and also provides support with Credit Compliance, Audit Compliance, and Syndication's. He has been active in the development of Flexible’s Policy and Key Procedures. He also has developed advanced experience in data mining and business analytics with Monarch Pro, ACL, Microsoft Excel and Visual Basic. He has volunteered for many non-profit organizations over the years and is active with the Commercial Finance Association. He holds a Bachelor of Business Administration, Finance brings degree and a Bachelor of Science, Accounting both from the University of Central Oklahoma.

Scott Gursky


Scott earned a B.A from Boston University, and J.D. from the University of California, Hastings College of Law. Scott is an independent attorney with his own private law practice, specializing in commercial collections and business law. He has worked closely with our company for almost two decades, and is very familiar with staffing, receivables finance, and our company operations.

Robinn Mikalic

Senior Business Development Officer

Holding a B.S. from the University of Scranton (but asks you back "what's the Office?") Robinn Mikalic holds degrees in mathematics and business and touts 20 plus years in ABL and factoring. Robinn also has history as President of the Northeast IFA and takes opportunity to educate and mentor being the founder of The Factoring Expert and a published author. Robinn is a star business developer we trust to champion the products and services that Flexible Funding has offered their clients for over 25 years.

Ron Ventre

Business Development Officer

Ron Ventre came to us with the perfect mix of experience to facilitate the development of a factoring program. In his role as Business Development Officer, Ron also works to build mutually beneficial business banking relationships. He is a seasoned veteran in commercial banking (First Citizens / Ironstone Bank; Plaza Bank), and represented one of the largest national factoring companies.

Scott Dirvonas

Chief Technology Officer

After receiving his Bachelors of Science in Business Administration from the University of Denver in 1992 Scott moved to Vail Colorado. With a background in finance and accounting Scott developed several POS software systems in the ski industry and a project management application for high end custom home builders. In addition Scott has been developing an asset based lending application in the staffing industry for Flexible Funding since 2001. He is now CTO of Flexible Funding and responsible for a team of 5 programmers that continue to develop new technologies.