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Everyone comes from somewhere!


SCJ came from the Automotive Industry.

Our president spent years in the subprime auto industry and established a set of values for how people should be treated, regardless of their account status.

These values later became the foundation of SCJ. 

​For us, it's not just about a sale, it's about a relationship. We want to build a system of trust and transparency that will allow you to continue to make the most of your portfolio even after customer's stop paying.

At SCJ, we've been doing things a little differently since 2019.

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 We saw an opportunity to be a breath of fresh air in an industry that has a negative reputation.

SCJ saw what the industry was lacking; compassion, transparency, and the ability to listen. We wanted to change that.

We strive to be different. We want you to succeed and we are here to help.


Our vision is to revolutionize the equipment finance and merchant cash advance industries by providing innovative and reliable solutions for debt acquisition.

We aspire to become the leading provider of debt buying services, empowering businesses to thrive and succeed in their financing endeavors.
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 "Friendly, professional group of people who are willing to work with you to get things taken care of." 

 Michael I. (Google Review 

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