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Everything you need to know about working capital financing, invoice factoring, asset-based lending, and alternative financing solutions.
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General Questions
Frequently asked questions
We provide working capital financing for B2B businesses that need capital faster than banks can provide it. We specialize in invoice factoring, asset-based lending, purchase order financing, AR financing, government contractor financing, and equipment leasing.
Banks lend based on your historical financial performance, require extensive collateral, and take 2-3 months to approve. We focus on your customers' creditworthiness, your receivables, contracts, and growth potential—with decisions in days, not months.
MCAs often have predatory terms, extremely high costs (effective APRs of 50-150%+), and daily debit structures that strain cash flow. We provide structured financing with transparent terms, clear pricing, and flexible repayment tied to your business cycle.
We specialize in: Manufacturing, Staffing & Recruiting, Construction, Distribution & Wholesale, Business Services, Healthcare Services, Transportation & Logistics, and Government Contractors.
We typically work with businesses from $500K to $50M+ in annual revenue. Minimum facility sizes vary by solution type—generally starting at $50K-$100K for working capital solutions.
Getting Started
Frequently asked questions
Three ways: (1) Call us directly, (2) Submit a quote request form on our website, or (3) Schedule a consultation call. All three paths lead to an initial conversation where we learn about your business.
We'll ask about your business, industry, customers, what challenges you're facing, and what you're trying to accomplish. This takes 15-30 minutes. We'll explain which financing solutions might fit and give you honest feedback.
Within 24 hours, typically much faster. If you call during business hours, you'll talk to someone immediately. If you submit a form after hours, expect a response first thing the next business day.
None. Initial conversations and proposals are completely free with no obligation. You decide if and when to move forward.
Invoice Factoring
Frequently asked questions
Invoice factoring is when you sell your outstanding invoices to us at a discount in exchange for immediate cash. Instead of waiting 30-90 days for customer payment, you get 80-95% of the invoice value within 24-48 hours.
Typically 80-95% is advanced immediately (the "advance rate"). The remaining 5-20% (the "reserve") is held until your customer pays, then released to you minus our factoring fee.
This depends on the structure. With notification factoring (most common), customers are notified and pay us directly. With non-notification factoring, customers pay you as normal and you remit to us.
Factoring fees typically range from 1-5% of invoice value, depending on your industry, invoice size, customer creditworthiness, and payment terms. We provide upfront, transparent pricing with no hidden fees.
Pricing & Costs
Frequently asked questions
It varies by solution type, your industry, transaction size, and risk profile. Invoice factoring: 1-5% per invoice. Asset-based lending: Prime + 2-6% annually plus fees. Purchase order financing: 2-6% per transaction. We provide transparent pricing upfront.
No. We disclose all fees upfront before you commit. You'll know exactly what you're paying. Common fees include: advance fees (factoring), unused line fees (ABL), due diligence fees. All disclosed in your proposal.
Usually no—if you qualify for bank financing and have time to wait, banks typically have lower rates. We're more expensive than banks but much faster, more flexible, and available when banks can't help.
Sometimes. For larger facilities or strong credit profiles, there's often room to negotiate. For smaller deals or higher-risk situations, our pricing is firmer. We're always transparent about our flexibility.
Process & Timeline
Frequently asked questions
From initial conversation to funding: Invoice factoring: 2-5 days. Purchase order financing: 3-7 days. Asset-based lending: 7-10 days. Government contractor financing: 7-14 days. Timing depends on how quickly we receive complete information.
For most solutions (factoring, ABL, PO financing), we focus on your customers' credit, not yours. We may pull credit for larger facilities or equipment financing, but it's not the primary factor.
Initial: Recent financials, AR aging, customer list. Specific to solution: Sample invoices (factoring), inventory reports (ABL), purchase orders (PO financing), contract documents (gov contractors). We guide you through exactly what's needed.
Rarely for first-time funding—we need time for due diligence. But subsequent fundings (after you're set up) can be same-day for factoring and 1-2 days for other solutions.