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Inquire About Specialized Alternative Financing - Up to $10M

Invoice Factoring

Turn unpaid invoices into working capital, unlock cash flow immediately, and keep your business moving forward without delays.

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Funding Amount

$10,000 to $5,000,000

Flexible Terms

Based on invoice cycles

Time to Fund

5 to 7 days

SBA Loans

What is Invoice Factoring?

Invoice Factoring allows you to convert outstanding invoices into immediate cash. Instead of waiting for clients to settle their accounts, you receive an advance on the value of those invoices.
When your client pays, the balance (minus a small fee) is transferred to you.
This solution ensures your business has the cash to cover expenses, invest in growth, and stay competitive—without waiting for payments to clear.

Ideal for businesses that need to cover:

  • Payroll and operating costs
  • Materials or inventory purchases
  • Marketing or new projects
  • Seasonal slowdowns

How Does it Work ?

1

Submit Your Invoices

Provide unpaid invoices you'd like to finance. These serve as the foundation of your funding.

2

Receive an Advance

Receive a percentage of the invoice value upfront — funds arrive quickly.

3

Client Pays Invoice

Your client continues to pay under their normal terms. No disruption to your business relationships.

4

Receive Remaining Balance

Once payment is collected, you receive the rest of the funds minus financing fees.

SBA Loan Process

Invoice Factoring vs. Traditional Loan

Feature Invoice Factoring Traditional Loan

Why Choose Invoice Factoring?

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Instant Cash Flow

Unlock funds tied up in invoices and cover expenses without delay.

Scalable Funding

The more you invoice, the more capital you can access.

No Extra Collateral

Your unpaid invoices act as the security—no risk to other assets.

Client-Friendly Process

Keep relationships intact while we handle the wait for payments.

How much of the invoice value can I access upfront?

Typically, you can receive an advance of between 70% and 90% of the invoice value. The exact percentage depends on your client's creditworthiness and invoice terms.

Will my clients know I'm using invoice factoring?

In most cases, yes. Your clients will remit payments directly to the lender, but the process is professional and discreet to maintain your strong business relationships.

How quickly can I get funds?

Once your invoices are approved, you can typically receive funds within 24–48 hours. This fast turnaround ensures that you can address your cash flow needs immediately.

Can I finance overdue invoices?

Invoice factoring generally works best for current invoices, but overdue invoices may still qualify in some cases. Contact us to discuss your specific situation.

Is invoice factoring suitable for small businesses?

Yes! Invoice factoring is ideal for businesses of all sizes, especially those with long payment cycles or unpredictable cash flow. Small businesses often use it to cover immediate expenses and keep operations running smoothly.

What industries benefit most from invoice factoring?

Invoice factoring is popular among service-based industries, manufacturers, wholesalers, construction companies, and businesses that rely on invoicing clients with longer payment terms.

Are there any risks involved with invoice factoring?

The primary risk lies in your client's ability to pay the invoice. However, our team works with trusted lenders who evaluate client creditworthiness, reducing potential issues.

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