Protect Capital, Gain Financial Freedom, Build Generational Wealth with True Capital Notes

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Better results

True Capital Notes accomplishes an 10-12 percent  return to investors by helping small businesses grow and take it to the next level. This is accomplished by using factoring. True Notes uses your capital to help promising companies with cash flow solutions. See term sheet for rates link There are no fees, no middle man, and you can purchase notes through your IRA. The key to our investor’s success is simple and consistent cash flow.


True Capital Notes, with DM Capital, is a member of the International Factor’s Association. We have a proven track record of thousands of deals done, with less than a 1% default on margin. This speaks volumes of the value of our expertise,  systems and team. We are proud of the fact that we have always met our contractual agreements. We take this responsibility very seriously. You have worked hard for money, let us make your money work hard for you.

Our Mission

True Capital Notes creates a greater quality of life for our investors by
providing higher returns with lower risk. You choose the note term and rate
that works best for you.

As an investor, you purchase True Capital Notes and we use the proceeds to
help small and medium sized businesses grow and achieve success.

Join us today and find your success through True Capital Notes.

The True Capital Difference


In a world of volatility and fear, we offer fixed income with little to no correlation to stocks and real estate. Bringing balance to many investors portfolio’s.


We have grown investors money with success. We don’t have projections, we have monthly results. Always putting the investor first.


We have always met our contractual agreements. We invest our own funds in the same deals.


Easy to invest process via DocuSign, Investor portal for statements. Access to unique opportunities and network with other investors.

Factoring Example


A business has completed a large order for a corporate client. The total amount owed by the corporate client is $50,000 and the payment is due in 30 days. The business needs the cash immediately to cover its own expenses, so they decide to sell the invoice to a factoring company.


The factoring company DM Capital, agrees to buy the invoice for a discounted price of $48,000, which is 96% of the total amount owed.

CORPORATE CLIENT (Owes on Invoice)

Corporate client will send payment of $50,000 to factoring Company since they purchased the invoice


Powered by the DM Capital Group

TermAnnual Percent Yield
Paid Monthly
Paid Yearly
1 Year 10%10.47%
3 Year 11% 11.57%
5 Year 12% 12.68%


Limited availability, only to accredited investors.

3 Month1% - 1 month 3.17% - 3 months

What is Invoice Factoring?

Invoice factoring, also known as accounts receivable factoring, is a financial tool that enables businesses to convert their outstanding invoices into cash. This process can provide a business with immediate access to working capital, which can be used for various purposes such as paying bills, investing in new projects, or expanding operations. We hope to provide a comprehensive overview of invoice factoring, including its definition and benefits.

Invoice factoring is a financial transaction in which a business sells its accounts receivable (invoices) to a third-party financial institution, known as a factor, at a discount. In this process, the factor pays the business a percentage of the invoice amount, usually between 70% to 90%. upfront the factor then collects the payment from the customer and deducts its fee before remitting the remaining balance to the business. 

Benefits of Invoice Factoring:

Immediate Access to Working Capital:

Invoice factoring provides a business with immediate access to cash, which can be used to meet its short-term financial obligations, such as paying bills or payroll expenses. 

Improved Cash Flow:

Invoice factoring can improve a business's cash flow by reducing the time it takes to collect payment from customers. 

No Debt:

Unlike traditional bank loans, invoice factoring does not create debt on a business’s balance sheet, which can help maintain its creditworthiness. 

Credit Risk Management:

Invoice factoring companies typically perform credit checks on a business’s customers before purchasing their invoices, which can help mitigate the risk of bad debt. 

Professional Collections:

Factoring companies have experienced collections teams that can handle the collections process for businesses. This can help businesses maintain positive relationships with their customers while ensuring timely payment of invoices. 


Factoring is a flexible financing option that can be scaled up or down based on a business’s needs. This can help businesses manage their cash flow during periods of growth or contraction. 

Access to Expertise:

Factoring companies have extensive experience working with businesses in various industries. This expertise can be invaluable for businesses looking to improve their bottom line.



Specialized, Knowledgeable Team with combined 28 years of Factoring and Business experience.


*Over 3,000 invoices successfully processed and collected on *Consistent yearly growth *High customer value
*Average customer stays with us 4+ years


Our approach produces monthly returns, not projections, always putting the investor first.

How our model works?

At True Capital Notes, we prioritize our clients and handle their resources with the same care and attention as we would with our own. We invest our own money along with you. Our investment philosophy centers around fostering strong relationships and building trust with our clients. Since our inception, we have fulfilled every contractual obligation with our clients, without exception. We take proactive measures to reduce risk and are confident that True Capital Notes can serve as a valuable resource to make your money grow.

Our Simple Process to Start Investing

  1. Due diligence (We expect and encourage investors to ask questions and do research)
  2. On boarding process (Sign contract to verify you are an accredited investor)
  3. Place funds to help small to medium size businesses grow
  4. Your money will make you interest each month

About Us

Brandon Miller

Owner/Account Manager

Brandon is an entrepreneur at heart, with a farming and construction background. Owning multiple businesses has helped him build his skill set and grow into a savvy investor. He has invested in commercial properties, multifamily housing, and factoring over the years. Brandon has been married to his wife for twenty years. He lives in Idaho and has 4 kids. He loves spending time traveling, going to kids sporting events and activities, and spending time outdoors.

Russell Dygert

Owner/Certified Account Executive in Factoring

Russell serves as a Principle and the Investment Expert of DM Capital Group LLC. He has enjoyed a career in the transportation, logistics, and finance industry spanning 10+ years. He has developed a broad array of expertise in the origination and management of receivables factoring. Russell’s ultimate responsibility is the overall management of deal flow and analysis of investment opportunities for the Fund’s portfolio. Russell has been married to his wife for 14 years. He lives in Idaho and has 3 girls. He loves spending time desert racing and spending time with his family.

Frequently Asked questions

Promissory notes- you are a private lender
True capital Notes issues you a promissory note where you are the lender, and we are the borrower. This agreement pays you simple interest for a contract period.
The money is used for asset lending, primarily factoring for small to medium sized businesses.
Yes, absolutely as long as you have met the $50,000 min. you can add contracts in $5,000 increments anytime.

Interest start accruing two weeks after DM Capital received funds


To start lending to True Capital Notes you must start with $50,000 min.

1 year, 3 year, 5 year

A fixed interest rate paid monthly or compounded, depending on the term you choose.
We can never guarantee anything. However, we have always made our obligations, never losing any investors money. We take preservation of capital very seriously. We encourage everyone to be diversified. This has been the most consistent investment in our experience, with the solid consistent return.
Investing has been life changing for our family’s. We know we can help investors have a better quality of life.
First off, we only take deals that meet our process. Parts of our portfolio can be insured to help with unpredictable events and help reduce risk.
Interest is paid out on the 10th of each month starting the month after you made your initial investment
Accredited investors are defined as having a net worth over $1 million (excluding primary residence) or income over $200,000 (individual) or $300,000 (household) in each of the prior two years, and reasonably expect the same for the current year.
Absolutely. All True Capital investments are compatible with Traditional IRAs, Roth IRAs, and Self-Directed IRAs. Contact us we can walk you thru the process
You can access your principal investment early but this will result in a breakage fee. We have 9-month, 1-Year, 3-year, 5-year, and 7-Year products – it is advisable that you select an option best suited to your situation
Once an investment is made, you gain access to an investor portal with statements and information available on demand.
True Capital Notes are taxed the same as any other high-yield bond or interest-bearing investment. You will receive a form 1099 at the end of the calendar year covering all interest paid during the calendar/tax year.

Contact Us

We are here to guide you through this process and answer any questions you might have.

If you have any questions let us know?