Invoice Factoring & Receivables Financing
Turn unpaid invoices into working capital — today, not 60 days from now.
Stop financing your customers — get paid now
Slow-paying customers shouldn't squeeze your payroll. Invoice factoring — sometimes called accounts receivable financing or B2B invoice financing — lets you sell your receivables for an immediate cash advance while we handle the wait. It's a small business loan alternative that gives you predictable cash flow without adding debt to your balance sheet.
- Advance up to 90% of invoice value within 24 hours
- No new debt — factoring is a sale of receivables
- Approval based on your customers' credit, not yours
- Scales automatically as your sales grow
- Optional A/R management and collections included
- Funding from $50K to $10M+ monthly volume
24-hour funding
Cash in your account within a day of invoice submission.
Credit-friendly
Approved on your customers' creditworthiness, not just yours.
Scales with sales
More invoices = more available funding, automatically.
What you'll need to qualify
A short list of documents and basics to get you pre-qualified — most files only need the essentials below.
- B2B or B2G invoicing (no consumer invoices)
- Creditworthy commercial customers
- Sample invoices with net 30/60/90 terms
- A/R aging report
- Last 3 months of business bank statements
- Articles of incorporation & EIN
Our funding process
Submit your A/R
Share sample invoices, customer list, and aging report — we underwrite your book.
Setup your facility
Sign a factoring agreement and onboard your customers (3–5 business days).
Submit invoices
Upload invoices as you bill — receive 80–90% advance within 24 hours.
Reserve release
When your customer pays, we release the remaining balance minus the factor fee.
Frequently Asked Questions
Related resources
Guides and playbooks to help you make the most of invoice factoring.
Compare Small Business Funding Options
Invoice factoring vs. a working capital loan vs. a business line of credit — cost, speed, and when each wins.
Read moreBusiness Line of Credit Playbook
When a revolving LOC is a better fit than factoring for smoothing out receivables and payroll.
Read moreStartup Business Funding in Texas
How B2B founders in Texas use invoice financing to fund payroll without adding debt.
Read moreStop waiting on receivables
Get a factoring quote in minutes — no obligation, no credit hit.