I did business with these folks. They appear to be a real company until you try to stop doing business with them, then the scam becomes clear. The way factoring works is you get 85% of your invoice paid ASAP and 15% is held in a reserve account until the invoice is paid by your client. When I stopped selling them invoices they refused to release my reserve account even after all of my outstanding invoices and all of my clients had paid in full. I even had a client pay them for invoices I never sold to AllianceOne. Michele Peppe my rep said I would have to take it up with David Alibrandi the CEO. He never called or wrote me back after many attempts. They stopped taking my call and or responding back to my E-mails. If you look up their address on Google street view and it appears to be an apartment building. I'm not even sure it's a real office location. The client payments are mailed to a PO Box in Brattleboro, VT but when you look it up you can't even find where it is. My guess is the address is fake and they use a PO Box so they can hide where they really are. They said they are members of the International Factoring Association but when you look them up on the IFA directory AllianceOne is not listed as a member. My guess is they are a Ponzi scheme of some form. Stay away from them! At this point I'm out $4500 with little if any way to get it back. My plan now is to give them as many bad reviews as possible online so I can save others from the same loss. I'm also going to contact the local authorities to ask them to look into the true nature of this business. I would bet I'm not the only one to get scammed. I'm also sure the local press would love to investigate them. In addition the IFA might want to contact them to ask them to remove their logo from the Allianceonellc.com web site!