Who We Are

The company was founded by 3 tenured factoring executives. Driven by a shared vision, they recognized a pressing need within the industry—a need for innovation, efficiency, and a forward-thinking approach. Thus, with unwavering determination, they set out to create something truly extraordinary.

Our Vision

To craft a solution that transcended the boundaries of traditional practices—a solution that revolutionized the landscape of factoring. With meticulous attention to detail and a relentless pursuit of excellence, they envisioned a system that not only streamlined operations but also prioritized risk management.

Our Technology

They birthed a marvel—a proactive, scalable, and modern system unlike any other. This system, adorned with the latest technological advancements, promises to save massive amounts of time and resources while safeguarding against potential pitfalls.a

Meet the Team

  • A smiling man in a light gray plaid suit jacket over a light blue dress shirt, standing in front of a dark and light gray wall.

    Cole Harmonson

    MANAGING PARTNER

    Cole Harmonson has been in the AR Factoring and Asset Based Lending space his entire career, starting in commercial banking in El Paso, Texas in 1994. In 1996, Cole started State Bank’s working capital finance business, which was sold in 2006.  In 2007, Cole co-founded Far West Capital, an independent AR Factoring and ABL company that was sold to Central Bank in Houston in 2018. In 2019, Cole and Debra co-founded Dare Capital, an independent AR Factoring platform that provides a unique Back Room White Label Offering for qualified deal flow sources.

  • A smiling woman with red hair, glasses, and earrings, wearing a blue button-up shirt, standing with her arms crossed in front of a neutral background and a plant.

    Debra Zukonik

    MANAGING PARTNER

    Debra Zukonik is a well-known and respected leader in factoring and asset-based lending, with over 30 years’ experience. Her risk-management expertise is unparalleled in the working capital industry. Prior to joining Dare Capital as Chief Credit Officer, she was the President and Partner of Vertex Financial, a leading Texas-based factor, from 2001 to 2017, and served as Chief Credit Officer of BAMFi from 2017 to 2019. In 2019, Cole and Debra co-founded Dare Capital, an independent AR Factoring platform that provides a unique Back Room White Label Offering for qualified deal flow sources.

  • A smiling young man with dark hair, wearing a white collared shirt under a gray zippered sweater, standing against a dark gray background.

    Matt Smulski

    CTO

    Matt Smulski has over two decades of invaluable experience in the factoring industry, Matt brings forth a rich and multifaceted career journey. His expertise spans across various domains including operations, portfolio management, account management, and leadership in information technology. Where he held pivotal roles in driving operational excellence and technological innovation within multiple organizations, contributing significantly to their growth and success.