Invoice Factoring
Turn your outstanding invoices into immediate working capital. Fund operations, make payroll, and seize opportunities without waiting for customers to pay.
Get cash for your invoices in 2-5 business days, not months.
The problem
You deliver the work. You send the invoice. Then you wait 30, 60, even 90 days to get paid.
Meanwhile, your vendors need payment in 15 days. Payroll is every two weeks. The growth opportunity you identified needs funding now, not in two months.
The result
You're operationally successful but financially constrained. You have the work, the customers, and the capability, but you're stuck waiting for payment terms to catch up with your needs.
The solution
Invoice factoring turns your outstanding invoices into immediate working capital. You get paid now. Your customers pay on their normal terms. You keep operations moving.
The mechanics
Invoice factoring is a financing solution that provides immediate cash for your outstanding B2B invoices. Instead of waiting 30-90 days for customer payment, you receive most of the invoice value (typically 80-95%) within days.
You deliver products or services to your customer and send the invoice with standard payment terms (Net 30, 60, or 90).
Within 2-5 business days, we advance you 80-95% of the invoice value. You get immediate working capital to fund operations, pay vendors, make payroll, or pursue growth.
Your customer pays the invoice according to their normal terms, Net 30, 60, or 90 days. They pay us directly (notification factoring) or pay you and you remit to us (non-notification).
Once your customer pays the full invoice, we release the remaining balance (the reserve) minus our fee. You've already had access to most of the money for weeks or months.
Why it works
Don't wait 30-90 business days for payment. Get 80-95% of your invoice value in 2-5 business days. Fund operations, pay vendors, and seize opportunities without the wait.
Take on larger orders and new customers without worrying about cash flow timing. Scale your business with financing that grows as your invoices grow, no fixed loan amounts or rigid terms.
Use it when you need it. As your sales grow, your available capital grows. No long-term commitments or minimum usage requirements. You're in control.
Banks require three years of clean financials, personal guarantees, and 4-8 weeks of committee review. Factoring evaluates your customers' creditworthiness and payment history. Strong customers and outstanding invoices qualify you, even if banks have declined your application.
We can handle invoice collections, payment posting, and customer credit monitoring. You focus on delivering great work and growing your business.
Fit
Invoice factoring works best for B2B companies that invoice customers on payment terms. Here's who typically benefits:
B2B Companies — You invoice other businesses (not consumers)
Net 30-90 Payment Terms — Your customers pay on standard terms, creating a timing gap
Creditworthy Customers — Your customers have good credit and pay reliably (even if slowly)
Growth Stage or Established — You have consistent invoicing and customer relationships
Cash Flow Constrained — Payment timing creates operational challenges or limits growth
You're primarily B2C (consumer-facing) with immediate payment
Your customers have poor credit or payment history
You need capital for non-invoice purposes (equipment, real estate, etc.)
Your invoice volumes are very low or sporadic
Invoice factoring serves B2B companies across manufacturing, staffing, distribution, construction, government contracting, professional services, transportation, and healthcare. Each industry has specific cash flow timing patterns that factoring addresses.
Tell us a little about your receivables and we'll come back with real numbers: advance rate, fee, and timeline.
Same-day preliminary answer
Run your numbers
See what factoring one invoice really costs, from the advance you receive to the fee.
Invoice Factoring CalculatorThe alternatives
| Invoice Factoring | Traditional Bank Loan | Line of Credit | Merchant Cash Advance | |
|---|---|---|---|---|
| Speed to Funding | 2-5 business days | 4-8 weeks | 2-4 weeks (initial setup) | 1-3 days |
| Based On | Invoice/customer credit | Your credit & collateral | Your credit history | Future sales |
| Approval Difficulty | Easier | Hardest | Moderate | Easiest |
| Flexibility | Scales with invoices | Fixed amount | Fixed limit | Fixed amount |
| Best For | B2B invoice timing | Major purchases | Predictable needs | Desperate situations (not recommended) |
| Long-term Commitment | Flexible | Fixed term | Ongoing but rigid | Often predatory terms |
Bank loans are debt that must be repaid on a fixed schedule regardless of your cash flow. Factoring provides capital based on money already owed to you, you're accessing your own receivables faster, not taking on debt.
Lines of credit require strong credit history and often personal guarantees. Factoring focuses on your customers' ability to pay. As your invoicing grows, your available capital grows automatically.
Merchant Cash Advances often have predatory terms, hidden fees, and can trap businesses in debt cycles. Factoring is transparent, flexible, and designed for B2B companies, not a last resort.
Getting started
We'll discuss your business, typical invoice amounts, customer payment terms, and what you're trying to accomplish. This takes 15-20 minutes and helps us determine if factoring is a fit.
Provide basic business information, details about your customers, and sample invoices. Most applications take 30-45 minutes to complete.
We review your customers' creditworthiness and payment history, not just your credit. This is typically completed within 24 hours.
If approved, we'll provide clear terms showing exactly how the facility works, what you'll receive, and what it costs. Plain language, no surprises.
Submit your first invoices and receive your advance within 2-5 business days. After initial setup, subsequent funding typically happens within 24 hours.
Typical timeline: 3-7 business days from initial contact to first funding (often faster for straightforward situations)
Common questions
Typically 80-95% of the invoice value is advanced immediately. The remaining 5-20% (called the reserve) is held until your customer pays, then released to you minus our fee. The exact advance rate depends on your industry, customer creditworthiness, and invoice terms.
This depends on the structure you choose. With notification factoring, your customers are notified and pay us directly. This is most common and often preferred by factors. With non-notification factoring, customers pay you as normal and you remit to us. This is available but typically costs slightly more. We explain both options.
This depends on whether you choose recourse or non-recourse factoring. With recourse factoring (most common), you're responsible if your customer doesn't pay. With non-recourse factoring, we absorb the risk if your customer becomes insolvent. This costs more and has stricter qualification. We help you understand which makes sense for your situation.
This varies by factor and your situation. Some factors require minimum monthly volumes. Others are more flexible. We'll be upfront about any minimums during our initial conversation. We believe in earning your business, not trapping you in rigid commitments.
This depends on the agreement structure. Whole ledger factoring requires you to factor all invoices from approved customers. This typically gets better rates. Spot factoring lets you choose specific invoices to factor. More flexibility but usually higher rates. We offer both options.
Many businesses use factoring for 6-24 months while they're in growth mode or managing cash flow timing. Some use it longer-term as a permanent part of their capital structure. Others transition to traditional bank financing once they're larger and more established. You're not locked in. We work with you as long as it makes sense for your business.
We work with most B2B industries including manufacturing, distribution, staffing, business services, construction, transportation, healthcare services, and government contractors. If you invoice businesses on payment terms, we can likely help.
That's exactly why many businesses use factoring. Banks focus heavily on your credit history and collateral. Factoring focuses on your customers' ability to pay. If you have good customers who pay their bills (even if slowly), you can likely qualify for factoring even if banks have declined you.
In practice
Manufacturing Growth
Staffing Agency Payroll
Distribution Cash Flow
Business Services Project
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Learn moreWhether you're bridging a cash flow gap, funding growth, or tired of waiting 60 days to get paid, invoice factoring eliminates the timing gap. Let's review your specific situation and determine if factoring is the right fit.
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