Factoring
Invoice Factoring
Turn unpaid invoices into immediate working capital.
$10,000 – $10,000,000
Typical Amount
Ongoing (per invoice)
Typical Term
3 – 7 days (setup), same-day (ongoing)
Approval Speed
B2B Companies
Best For
What is Invoice Factoring?
Invoice factoring allows you to sell your outstanding invoices to a factoring company at a discount in exchange for immediate cash. Instead of waiting 30, 60, or 90 days for customers to pay, you get most of the invoice value upfront.
Ideal For
B2B Companies
Staffing Agencies
Freight & Transportation
Manufacturing
Government Contractors
Requirements
B2B or B2G invoices
Creditworthy customers
Invoices with 30-90 day terms
No liens on receivables
Pros
Immediate cash for outstanding invoices
Based on customer creditworthiness, not yours
Scales with your sales
No debt added to balance sheet
Factoring company handles collections
Cons
Only works for B2B/B2G businesses
Customers may learn about the arrangement
Fees can add up on slow-paying invoices
Not available for consumer-facing businesses
Frequently Asked Questions
How much of the invoice value do I receive?
Typically 80-90% of the invoice value upfront, with the remainder (minus fees) paid when your customer pays the invoice. Fees typically range from 1-5% depending on the invoice terms and customer creditworthiness.
See If You Qualify for Invoice Factoring
Upload your bank statements anonymously and get an instant underwriter-grade analysis. No credit pull. No commitment. No one contacts you unless you want them to.