Stop waiting 30, 60, or 90 days to get paid. Turn invoices into cash today.
Funding Amount
$10K – $5M
Term Length
Per Invoice
Funding Speed
24 – 48 Hours
Min. Credit
No Minimum
Invoice factoring (also called accounts receivable financing) lets you sell your outstanding invoices for immediate cash — typically 80–90% of the invoice value upfront. We collect from your clients directly, then remit the remaining balance (minus a small fee) once they pay. No waiting. No chasing. Perfect for B2B businesses that invoice other companies or government entities and deal with long payment terms.
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Staffing & Temp Agencies
Fund weekly payroll while waiting 30–60 days for client payments.
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Trucking & Freight
Get paid same week on loads instead of waiting for broker payments.
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Construction & Contractors
Convert progress billing invoices to immediate cash.
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Healthcare & Medical
Factor insurance receivables and government billing.
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Wholesale & Distribution
Fund large purchase orders without straining working capital.
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B2B Services
Any business invoicing commercial clients on net terms.
Basic requirements — most businesses qualify in minutes.
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Invoice Type
B2B or Gov't
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Invoice Size
$5K+ per invoice
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Credit Score
No Minimum
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Client Credit
Must be strong
No credit impact · Takes 2 minutes
In most cases, yes — your clients will receive payment instructions directing them to pay us (the factor) instead of you. This is standard practice and most commercial clients are familiar with it. Confidential factoring options exist in certain industries.
With recourse factoring, you're responsible if a client doesn't pay. With non-recourse factoring, we absorb the loss if a client goes bankrupt (though not if they simply dispute the invoice). We'll explain which applies to your program.
Minimums vary by program. Some programs start at $10K/month in invoices, others have no minimum. We'll match you to the right program for your volume.
Invoice factoring involves actually selling your invoices — we collect directly from clients. Invoice financing uses invoices as collateral for a loan — you still collect from clients. Factoring is faster and doesn't show as debt on your balance sheet.
Invoices must be for completed work or delivered goods, to creditworthy commercial or government clients, without existing liens or assignments. We cannot factor invoices for future work or consumer receivables.