Line of Credit
Keep a revolving reserve on tap and pay interest only on what you draw.
Learn moreInvoice Factoring.
Sell your outstanding invoices and get paid now instead of waiting on net-30/60/90 terms — we advance up to 90% upfront and remit the rest, minus a small fee, once your customer pays.
What It Is
Stop Waiting On Net-60.
Invoice factoring turns your unpaid B2B invoices into immediate cash. Instead of waiting 30, 60, or 90 days for customers to pay, you sell those receivables to us and receive up to 90% of the value the same day. When your customer pays, you get the remaining balance minus a small factoring fee.
Because it's a sale of receivables rather than a loan, factoring doesn't add debt to your balance sheet — and your available cash scales automatically with your sales volume. We can even handle collections so you can focus on the work.
Best For
- Staffing agencies waiting on client payment
- Trucking & freight carriers needing fuel money now
- Manufacturers & wholesalers with net terms
- Any B2B business with slow-paying clients
The Process
How Invoice Factoring Works.
01
Submit Invoices
Send us the B2B invoices you want to factor — we verify them with your customers.
02
Get Advanced
Receive up to 90% of the invoice value the same day, straight to your account.
03
Customer Pays
When your client pays the invoice, you get the remaining balance minus our small fee.
Rates & Terms
Facility limit $10,000 – $5,000,000
Advance rate Up to 90%
Factoring fee 1 – 3% per invoice
Term Per invoice — no fixed loan
Funding speed Same day on approved AR
Collections Handled by us (optional)
The Numbers.
Illustrative ranges. Actual amounts, rates, and fees are set by underwriting based on your business profile.
Eligibility
What You'll Need.
Factoring leans on the credit quality of your customers, so even newer businesses with solid clients qualify.
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score
- Business bank account in good standing
Checking your options is a soft pull — it never affects your credit score. Most decisions land within hours.
Why Operators Choose It
The Benefits.
Immediate Cash
Turn receivables into money the same day instead of waiting months.
No New Debt
It's a sale of invoices, not a loan — nothing added to your balance sheet.
Scales With Sales
Your available funding grows automatically as you invoice more.
Customer-Based Approval
We weigh your clients' creditworthiness, not just yours.
Collections Handled
We can chase payment for you, freeing up your team.
Flexible Use
Factor all your invoices or just the ones you choose.
Questions
Invoice Factoring FAQ.
No. Factoring is the sale of your invoices, so it doesn't create debt or appear as a loan on your balance sheet. There are no monthly loan payments.
We advance up to 90% of the invoice value the same day, then remit the remaining balance — minus a small factoring fee — once your customer pays.
With notification factoring, payments are directed to us, so customers are aware. We handle it professionally; many clients see it as standard B2B practice.
A factoring fee of roughly 1–3% per invoice, depending on volume and how quickly your customers typically pay. We confirm the rate before you commit.
Compare Options
Related Funding.
Short-Term Loans
A fixed lump sum in 24–48 hours when an opportunity or gap won't wait.
Learn moreMerchant Cash Advance
An advance against future card sales that flexes with daily revenue.
Learn moreCommon industries that use invoice factoring: Transportation & Trucking, Manufacturing, Professional Services.
Get Paid Today.
Advance your invoices and free up the cash you're owed.