Invoice Factoring
Turn unpaid invoices into immediate cash — without waiting 30, 60, or 90 days, and without new debt.
Get paid the moment you invoice.
Invoice factoring lets you sell your outstanding B2B invoices and receive up to 90% of their value right away, instead of waiting weeks or months for customers to pay. We advance the cash, then collect from your customers when the invoice comes due.
Because you're advancing money you've already earned, factoring isn't a loan — there's no new debt on your balance sheet, and the line scales naturally as your sales grow. It's the cleanest way to fix the gap between delivering work and getting paid.
When slow-paying clients tie up your cash.
Best for B2B businesses that invoice on net terms and need predictable cash flow.
- B2B businesses billing on net-30/60/90 terms
- Staffing agencies covering payroll between client payments
- Trucking and freight waiting on delivered loads
- Manufacturers and wholesalers with large orders
- Fast-growing firms whose receivables outpace cash
- Smoothing cash flow without adding debt
From invoice to cash in days.
Submit invoices
Send us the B2B invoices you'd like to factor. We verify them with your customers.
Receive your advance
Get up to 90% of the invoice value deposited, typically within one to two business days.
We collect
Your customer pays us directly on their normal terms — no chasing for you.
Get the rest
Once paid, you receive the remaining balance minus a small factor fee.
Transparent pricing, no surprises.
Your exact rate depends on time in business, revenue, and credit profile. Here's the typical range.
| Detail | Range |
|---|---|
| Advance rate | Up to 90% of invoice value |
| Factor fee | 1% – 3% per 30 days |
| Term | Tied to your invoice cycle |
| Minimum credit | Based on your customers, not you |
| Setup fee | $0 on most accounts |
| Long-term contract | Not required |
Figures are illustrative for this demonstration site. Actual rates, fees, and terms are set during underwriting.
What you'll need to qualify.
Factoring qualification leans on the creditworthiness of your customers, not just your business. Typical baselines:
- 6+ months in businessTime operating shows us a track record to underwrite against.
- $15,000+ monthly revenueSteady B2B invoicing volume shows there are receivables to factor each cycle.
- 500+ credit scoreYour own score matters less here — we weigh your customers' ability to pay.
Benefits of invoice Factoring.
Cash in 1–2 days
Unlock up to 90% of an invoice's value almost immediately after submitting it.
No new debt
You're advancing money you've already earned — nothing is added to your balance sheet.
Scales with sales
The more you invoice, the more funding is available. Growth fuels itself.
We handle collections
Save hours chasing payments — your customers pay us on their normal terms.
Approval on customer credit
Newer businesses can qualify based on the strength of their clients.
No long-term contract
Factor the invoices you choose, when you choose — no lock-in required.
Invoice Factoring FAQ.
No. You're selling invoices you've already earned, so there's no debt added to your books and no monthly loan payment.
With standard factoring, we collect directly, so customers are aware. Many see it as routine — and our team handles it professionally on your behalf.
You receive the advance up front, then the remainder minus a factor fee (typically 1–3% per 30 days the invoice is outstanding) once your customer pays.
No. You choose which invoices to factor and when. There's no requirement to commit your entire receivables ledger.
Other ways to access capital.
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Stop waiting on receivables.
Apply in five minutes and see real offers — with no impact to your credit score.