Accounts Receivable Financing
Up To $5MTurn unpaid invoices into immediate working capital, smoothing cash flow without waiting on customer payment cycles.
30-Second Application · No Credit Impact · Strictly Confidential
Overview
How It Works
Accounts receivable financing (also known as invoice factoring or AR financing) allows you to borrow against or sell your outstanding invoices. Instead of waiting weeks or months for customers to pay, you get immediate access to a large percentage of the invoice value.
This type of financing is particularly valuable for businesses with long payment cycles or large B2B contracts. It helps you maintain healthy cash flow without taking on traditional debt.
Rates & Terms
- Advance Rate
- Up To 90%
- Factor Rates
- From 1–3%
- Invoice Terms
- 30–90 Days
- Funding Speed
- 24–48 Hours
Ranges shown are indicative. Actual terms vary by lender, profile, and deal structure. Your strategist confirms specifics.
THE ADVANTAGE
Why It Works
- Get up to 90% of invoice value upfront
- Funding based on your customers' creditworthiness
- No long-term debt commitment
- Scale funding as your sales grow
Basic Qualifications
Basic Qualifications
- Invoices
- B2B, Creditworthy Customers
- Monthly Receivables
- $10K+ Minimum
- Time In Business
- 3+ Months
Questions
Frequently Asked
How Does Invoice Factoring Work?+
You sell your outstanding invoices to a factoring company at a discount. They advance you 80–90% of the invoice value immediately, then collect payment from your customer. Once paid, you receive the remaining balance minus the factoring fee.
Will My Customers Know I'm Using Factoring?+
It depends on the type. With notification factoring, your customers are informed. With non-notification factoring, the arrangement stays between you and the lender. We can help you find options that fit your preference.
What Industries Benefit Most From AR Financing?+
Any B2B business with outstanding invoices can benefit, but it's especially common in construction, trucking, staffing, manufacturing, and healthcare where payment cycles are typically 30–90 days.
How Much Can I Finance?+
Financing limits are based on your outstanding invoices. As your sales and invoicing volume grow, your available financing grows with it, making this a naturally scalable solution.
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Tell us about your business and we will match you with the right capital structure, often within forty-eight hours.
30-Second Application · No Credit Impact · Strictly Confidential