[abfunders]

Looking for equipment financing and factoring guys who actually use there own money and dont just broker the deals out.
Let me know if you have any suggestions.

Define "own money." WBL uses Axos Bank for many of their deals (and then buys the deal off of them). Axos Bank has deposits from both personal and business accounts, and it's not technically "their" money either. Seacoast and Amerifactors are banks, for example, and I don't think anyone would describe them as not being direct.

But if you mean "direct," the line there is blurry too, but a very large percent of factors have credit lines or investors that they resell as factoring, just like with MCAs, private real estate lenders, etc etc etc.

So, really, the question is, why do you want "actually uses their own money"? What's the pain point?