If your customers take 30, 60, or 90 days to pay, factoring turns those receivables into working cash within 24 hours — without taking on debt. Sell the invoice, get the money.
Factoring is the right tool when slow customer payments are starving cash flow that's otherwise healthy. Sell the invoice, keep the business moving.
You delivered the work weeks ago. Factoring stops the wait and converts the invoice to cash now.
The contract is great — but waiting 90 days for payment kills your ability to fund the work. Factoring closes the gap.
If you've been floating receivables on a business credit card, factoring is dramatically cheaper and scales without limit.
Factoring isn't a loan — it's the sale of an asset. Your balance sheet stays clean and your debt-to-equity ratio doesn't move.
Approved facilities can fund individual invoices in 24–48 hours. Once you're set up, every future invoice is one upload away from working capital.
Send the unpaid invoices and the customer details. We verify the receivables are factorable in hours, not days.
Cash hits your account within 24–48 hours of approval. Use it however your business needs to.
When your customer pays the invoice (on their normal terms), you receive the remaining balance minus the factoring fee.
Factoring underwrites your customers more than you. The four things that drive the structure and the rate.
Factoring works for invoices to creditworthy business customers. B2C and consumer receivables don't fit.
The factor is buying the invoice based on your customer's credit, not yours. Strong customers = stronger advance rates.
Most factoring programs have a minimum monthly volume of around $25K in factorable receivables to make the structure work.
Disputed invoices, deductions, or returns can complicate factoring. Clean billing practices unlock the best rates.
The questions our factoring clients ask most. If we missed yours, call us — we don't gatekeep information.
Recourse is cheaper but you take the credit risk if your customer doesn't pay. Non-recourse costs more but the factor absorbs default risk on approved invoices.
Usually yes. Most factoring is "notification" — your customer sends payment to the factor's lockbox. There are non-notification programs but they're less common and more expensive.
Spot factoring lets you choose specific invoices. Whole-ledger factoring covers all eligible invoices and gets better rates. We'll match the structure to your needs.
A professional factor is invisible to your customers beyond the change-of-pay-to address. Most B2B customers have seen factoring before — it's standard practice in many industries.
Factoring isn't always the right fit. Here's the rest of our menu — pick what matches the shape of your need.
Fixed amount, fixed schedule. The cleanest way to fund a defined project — equipment, expansion, or acquisition.
Draw what you need, when you need it. Pay interest only on what you use. Built for cash flow gaps and opportunity capital.
Government-backed financing with the longest terms and lowest rates available. We move fast on a process that's known for being slow.
Fund the machinery, vehicles, or technology you need. The equipment itself secures the loan — so qualifying is easier.
No fees. No hard pull. No commitment. Direct underwriting, real terms, fast.
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