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Lending · Invoice Factoring & AR Financing

Get paid when you invoice, not when they pay.

Turn outstanding invoices into cash today instead of waiting 30, 60, or 90 days.

Amount$25K – $10M facility
Time to fund3 – 7 days to set up
TermOngoing, per invoice

If your customers are creditworthy but slow, factoring advances you most of each invoice immediately and the balance (less a fee) when it's paid. Approval is based on your customers' credit, not yours, which makes it ideal for fast-growing B2B companies.

Best for

  • Staffing, trucking, manufacturing, wholesale, and government contractors
  • B2B companies with net-30 to net-90 terms and growing receivables
  • Businesses that have outgrown what a bank will lend on

What you'll need

  • Invoices to commercial or government customers
  • Aging report of accounts receivable
  • No liens on receivables (or a lender willing to subordinate)
  • Any credit profile

How it works

  1. Share your AR aging and a few sample invoices
  2. We match you with a factor that fits your industry and volume
  3. Submit invoices as you issue them; receive 80–95% within a day

Common questions

Will my customers know?

With traditional factoring, yes — the factor handles collection. Non-notification and AR-line options are available for many businesses.

What does it cost?

Typically 1–4% of invoice value depending on how long the invoice stays open and your customers' credit.

Do I have to factor everything?

No. Most programs let you choose which customers or invoices to include.