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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 resources to meet your interests
  • Years of financial and operational experience in valuing and managing distressed portfolios

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 Finance

All Episodes

Mike Boyle:
From a Kid in a Hardware Store to Leading Debt Buyer

Founder of C&E Acquisitions
Bel Air, Maryland


John Coffin:
From Institutional Executive to “Growth” Entrepreneur

Co-Founder of Practical Growth Advisors (PGA)
Atlanta, GA


Michael Hollingsworth:
Attorney, Son of an Entrepreneur and Now, Servant to Entrepreneurs

Nelson Mullins Riley & Scarborough
Atlanta, GA

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.

Contact us to schedule a call today