Turn your unpaid invoices into immediate cash
Invoice factoring converts your accounts receivable into working capital within 15–30 days. Instead of waiting 30, 60, or 90 days for customers to pay, you sell your outstanding invoices to a factoring company at a small discount and receive 80–95% of the invoice value upfront. The remaining balance (minus the factoring fee) is paid when your customer pays the invoice. It’s not a loan — it’s an advance on money you’ve already earned, which means qualification is based primarily on your customers’ creditworthiness, not yours.
Approval is based on the creditworthiness of your customers, not your business’s credit score. If your customers pay their bills, you can qualify.
Receive 80–95% of your invoice value within 15–30 days. No more waiting 30–90 days for customer payments.
Invoice factoring is an advance on money you’ve already earned, not new debt. It doesn’t add a liability to your balance sheet.
Bridge cash flow between invoice payment, Fund payroll while waiting on receivables, Take on larger contracts with confidence, Grow without taking on debt, and Stabilize seasonal revenue swings.
Don’t meet every requirement? Apply anyway — we evaluate the full picture.
Share your outstanding B2B invoices and customer information. We’ll assess the credit quality of your accounts receivable.
Receive 80–95% of the invoice value deposited into your account, typically within 15–30 days of approval.
When your customer pays the invoice, you receive the remaining balance minus a small factoring fee (typically 1–4% per invoice).
Factoring fees typically range from 1% to 4% per invoice, depending on invoice volume, customer creditworthiness, and payment terms. Higher volumes and shorter terms generally mean lower fees.
In most arrangements, your customers will be notified that payments should be directed to the factoring company. Some non-notification factoring programs are available for an additional fee.
B2B invoices for completed work or delivered goods typically qualify. Consumer invoices, progress billings, and invoices with disputes generally do not qualify.
Advance rates typically range from 80% to 95% of the invoice face value. The exact rate depends on your industry, customer creditworthiness, and invoice terms.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.