About Saint John Capital

As a nationwide transportation factoring company, Saint John Capital only factors invoices within the trucking industry, allowing us to better understand all the intricacies of the trucking business and better serve our customers. We specialize in factoring invoices for both new and existing trucking companies and understand their specific needs.

While our understanding of all the intricacies of the transportation industry is not what sets us apart from other factoring companies out there, it does allow us to provide the level of service that we consistently strive for. In addition, our team consists of multilingual factoring specialist that can fluently speak Russian, Bulgarian, Serbian, Romanian, Spanish, Polish, Greek, and Ukrainian in addition to English.

Since our company’s first factoring transaction back in the summer of 1997 our factoring program has helped thousands of freight companies throughout the nation; many of which that have grown their fleets to a national footprint. And now, many years later, Saint John Capital continues its dream by offering an array of factoring services to the largest and most respected names in the industry.

The Saint John Capital offices are located within the historic landmark building at Pickwick Theatre in downtown Park Ridge, a suburb of Chicago, Illinois. Park Ridge, a picturesque suburb of 37,775 residents, is in a key geographic location, close to O’Hare Airport, major expressways and rail transportation. It has a strong small-town, hometown charm, with cupolas, church spires and the 100-foot tower of the historic Art Deco Pickwick Theatre defining its unique skyline. Its slogan, “A Wonderful Place,” describes a prime residential community with tree-lined streets, pleasing architecture, and outstanding schools, parks and library. Stop by and visit our offices and afterwards take advantage of all the town has to offer, including an array of fine dining establishments, boutiques, and public courtyards.

Saint John Capital is able to provide the necessary cash in a timely manner with a focus on service simply because of our investment in the latest technological resources. Clients have the flexibility to do credit checks, generate invoices, and even direct payments all online and all while maintaining complete transparency of their factoring account.

Saint John Capital Code of Conduct: Saint John Capital and its employees must, at all times, comply with all applicable laws and regulations.  Saint John Capital will not condone the activities of employees who achieve results through violation of the law or unethical business dealings.  This includes any payments for illegal acts, indirect contributions, rebates, and bribery.  Saint John Capital does not permit any activity that fails to stand the closest possible public scrutiny.

All business conduct should be well above the minimum standards required by law.  Accordingly, employees must ensure that their actions cannot be interpreted as being, in any way, in contravention of the laws and regulations governing Saint John Capital’s operations.

Employees uncertain about the application or interpretation of any legal requirements should refer the matter to their supervisor, who, if necessary, should seek appropriate in-house legal advice.

General Employee Conduct:  Saint John Capital expects its employees to conduct themselves in a businesslike manner.  Drinking, gambling, fighting, and similar unprofessional activities are strictly prohibited while on the job.

Employees must not engage in sexual harassment, or conduct themselves in a way that could be construed as such, for example, by using inappropriate language, keeping or posting inappropriate materials in their work area, or accessing inappropriate materials on their computer.

Conflicts of Interest: Saint John Capital expects that employees will perform their duties conscientiously, honestly, and in accordance with the best interests of Saint John Capital.  Employees must not use their positions or the knowledge gained as a result of their positions for private or personal advantage.  Regardless of the circumstances, if employees sense that a course of action they have pursued, or are presently pursuing, or are contemplating pursuing may involve them in a conflict of interest with Saint John Capital, they should immediately communicate all the facts to the in-house legal department manager.

Outside Activities, Employment, and Directorships:  All employees share a serious responsibility for Saint John Capital’s good public relations, especially at the community level.  Their readiness to help with religious, charitable, educational, and civic activities brings credit to Saint John Capital and is encouraged.  Employees must, however, avoid acquiring any business interest or participating in any other activity outside Saint John Capital that would, or would appear to:

  • Create an excessive demand upon their time and attention, thus depriving the Organization of their best efforts on the job.
  • Create a conflict of interest – an obligation, interest, or distraction – that may interfere with the independent exercise of judgment in the Organization’s best interest.

Relationships With Clients and Suppliers:  Employees should avoid investing in or acquiring a financial interest for their own accounts in any business organization that has a contractual relationship with Saint John Capital, or that provides goods or services, or both, to Saint John Capital if such investment or interest could influence or create the impression of influencing their decisions in the performance of their duties on behalf of Saint John Capital.

Gifts, Entertainment, and Favors:  Employees must not accept entertainment, gifts, or personal favors that could, in any way, influence, or appear to influence, business decisions in favor of any person or organization with whom or with which Saint John Capital has, or is likely to have, business dealings.  Similarly, employees must not accept any other preferential treatment under these circumstances because their positions with Saint John Capital might be inclined to, or be perceived to, place them under obligation to return the preferential treatment.

Kickbacks and Secret Commissions:  Regarding Saint John Capital’s business activities, employees may not receive payment or compensation of any kind, except as authorized under Saint John Capital’s business and payroll policies.  In particular, Saint John Capital strictly prohibits the acceptance of kickbacks and secret commissions from suppliers or others.  Any breach of this rule will result in immediate termination and prosecution to the fullest extent of the law.

Saint John Capital Funds and Other Assets: Employees who have access to Saint John Capital funds in any form must follow the prescribed procedures for recording, handling, and protecting money as detailed in Saint John Capital’s policies and procedures or other explanatory materials, or both.  Saint John Capital imposes strict standards to prevent fraud and dishonesty.  If employees become aware of any evidence of fraud and dishonesty, they should immediately advise the in-house legal department supervisor so that Saint John Capital can promptly investigate further.

When an employee’s position requires spending Saint John Capital funds or incurring any reimbursable personal expenses, that individual must use good judgment on Saint John Capital’s behalf to ensure that good value is received for every expenditure.

Saint John Capital funds and all other assets of Saint John Capital are purposed for Saint John Capital only and not for personal benefit.  This includes the personal use of Saint John Capital assets, such as computers, cell-phones, automobiles, etc.

Saint John Capital Records and Communications:  Accurate and reliable records of many kinds are necessary to meet Saint John Capital’s legal and financial obligations and to manage the affairs of Saint John Capital.  Saint John Capital books and records must reflect in an accurate and timely manner all business transactions.  The employees responsible for accounting and recordkeeping must fully disclose and record all assets, liabilities, or both, and must exercise diligence in enforcing these requirements.

Employees must not make or engage in any false record or communication of any kind, whether internal or external, including but not limited to:

  • False expense, attendance, production, financial, or similar reports and statements.
  • False advertising, deceptive marketing practices, or other misleading representations.

Dealing With Outside People and Organizations: Employees must take care to separate their personal roles from their Saint John Capital positions when communicating on matters not involving Saint John Capital business. Employees must not use organization identification, stationery, supplies, and equipment for personal or political matters.

When communicating publicly on matters that involve Saint John Capital business, employees must not presume to speak for Saint John Capital on any topic, unless they are certain that the views they express are those of Saint John Capital, and it is Saint John Capital’s desire that such views be publicly disseminated.

When dealing with anyone outside Saint John Capital, including public officials, employees must take care not to compromise the integrity or damage the reputation of either Saint John Capital, or any outside individual, business, or government body.

Prompt Communications: In all matters relevant to clients, account debtors, suppliers, government authorities, the public and others in Saint John Capital, all employees must make every effort to achieve complete, accurate, and timely communications – responding promptly and courteously to all proper requests for information and to all complaints.

Privacy and Confidentiality:  When handling financial and personal information about customers or others with whom Saint John Capital has dealings, observe the following principles:

  • Collect, use, and retain only the personal information necessary for Saint John Capital’s business.  Whenever possible, obtain any relevant information directly from the person concerned. Use only reputable and reliable sources to supplement this information.
  • Retain information only for as long as necessary or as required by law. Protect the physical security of this information.
  • Limit internal access to personal information to those with a legitimate business reason for seeking that information.  Use only personal information for the purposes for which it was originally obtained.  Obtain the consent of the person concerned before externally disclosing any personal information, unless legal process or contractual obligation provides otherwise.

Saint John Capital believes that freight companies have the right to enjoy a full range of factoring programs which others in the business community enjoy. Our mission and role in that success is to provide the independence for each freight company to achieve those goals, by simply forerunning their cash, when they need it the most.

Want to learn more about Saint John Capital and invoice factoring? Call or contact us today to get all of your questions answered, including how factoring works and why it’s right for your company.