Contact us to schedule a call today

At FLOCK Specialty Finance, we have:

The passion to produce something big for our clients

The perseverance to achieve the difficult

A performance record that exceeds expectations

Michael Flock
Chairman and CEO


Our FLOCK Funding structure provides portfolio capital for clients spending up to $50 million annually.




  • High Advance Rate
  • Provide Funding for Larger Deals
  • Residual Profit Sharing
  • Higher Up Front Fees
  • Attractive Preferred Return
  • Collection Based Repayment Structure
  • Life of the Portfolio




  • Reduced Advance Rate
  • Provide Funding for Mid-Sized Deals
  • Reduced Residual Profit Sharing
  • Up Front Fees
  • Low Preferred Return
  • Collection Based Repayment Structure
  • Standard Term




  • Lower Advance Rates
  • Provide Funding for Smaller Deals
  • Limited Profit Sharing
  • Higher Up Front Fees
  • Higher Preferred Return
  • Collection Based Repayment Structure
  • Short Term

We develop terms to maximize each customer's investment return, cash flow or create a solution that provides balance.

Learn More

More than a transaction.

Our expertise and insights provide you the financial options to grow your business.

Fair Terms

  • Parallel payback enables clients to be paid back at the same time as FLOCK
  • Portfolio is the collateral

Fast Response

  • Deal funding within 48 hours upon satisfactory completion of company due diligence and review of portfolio metrics

Flexible Solutions

  • Advance rates of 50% to 90%
  • Servicing fees negotiated on a deal-by-deal basis
  • Negotiated equity split

Friendly Partnerships

  • Aligning our expertise and resourcesto meet your interests
  • Years of financial and operational experience in valuing and managing distressed portfolios

Recent FLOCK Specialty Finance News

Data Science and Information Technology
ATLANTA, Feb. 17, 2023 (PRNewswire) FLOCK Specialty Finance announces a strategic investment in technology and human capital related to data-driven
Excerpt from 'Determine Your Approach' - Collector Magazine When the COVID-19 virus hit last year, most credit originators tightened up
What to Look for When Evaluating Capital for Debt Purchases
On April 15, 2021, at The Receivables Management Association’s flagship event in Las Vegas, NV, Michael Flock participated in a
FLOCK provides data and insight on the impact of the Pandemic on the Debt Buying Industry. In this presentation, John
March 26, 2021 (Sacramento, CA) – A little over a year ago, just before the COVID-19 pandemic hit, more than 1,300
Conclusion: Tax Filings and Recoveries At the beginning of this series in the first week of February, tax filing season had


Capital Club Radio (CCR) is an internet podcast that highlights success stories of middle market entrepreneurs. CCR provides listeners an opportunity to gain valuable business insights and perspectives to deal with market uncertainty.

Hosted by Michael Flock
Chairman & CEO of FLOCK Specialty Finance

All Episodes
Lawrence Hirsh headshot

From Loss to Profit: Saving Companies from Collapse

Alvarez and Marsal
Atlanta, GA

Lou DiPalma: Stay Alive, Stay Current

David Rubinger: His Path to Publisher

Atlanta Business Chronicle
Atlanta, GA

Lou DiPalma: Stay Alive, Stay Current

Lou DiPalma: Stay Alive, Stay Current

Garnet Capital Advisors, LLC
Harrison, New York

FLOCK Specialty Finance is a proud member of the International ACA.

Founded in 1939, ACA brings together third-party collection agencies, law firms, asset buying companies, creditors and vendor affiliates, representing more than 230,000 industry employees. ACA establishes ethical standards, produces a wide variety of products, services and publications, and articulates the value of the credit and collection industry to businesses, policymakers and consumers.

FLOCK Specialty Finance is a proud member of the RMA.

Receivables Management Association International (formerly DBA International) is the nonprofit trade association that represents more than 550 companies that support the purchase, sale, and collection of performing and nonperforming receivables on the secondary market.

Frequently Asked Questions

Contact us to schedule a call today