Receivables Financing / Factoring

Turn unpaid invoices into working capital within 24 hours — no debt added, no long-term commitment.

No hard credit pull. No obligation.

What Is Receivables Financing?

Receivables financing — also known as invoice factoring — is a way to convert your outstanding invoices into immediate cash without waiting 30, 60, or 90 days for customers to pay. Instead of carrying unpaid invoices on your books, you sell them to us at a small discount and receive up to 90% of the face value within 24 hours.

Unlike a loan, no debt is added to your balance sheet. Approval is based primarily on your customers’ creditworthiness — not yours — making it accessible even to businesses with limited credit history. It’s one of the fastest ways to unlock capital that’s already yours and keep your operations running without interruption.

How It Works

Submit Your Invoices

Share your outstanding invoices and basic business info. We verify your customers' payment history — not yours.

Get Pre-Approved

We review your invoice portfolio and structure an advance rate. Most applicants receive a decision the same day.

Receive Your Advance

Get up to 90% of your invoice value deposited into your bank account within 24 hours of approval.

We Collect — You Keep the Rest

When your customer pays the invoice, we remit the remaining balance minus a small factoring fee directly to you.

Terms at a Glance

Advance Rate

Up to 90% of invoice value

Factoring Fee

1% – 5% per 30 days

Invoice Minimum

$5,000 per invoice

Monthly Volume

$20,000+ in invoices

Time to Funding

24 – 48 hours

Contract Required

None — invoice-by-invoice available

Do You Qualify?

B2B or Government Invoices

Your business must invoice other businesses or government agencies — consumer receivables are not eligible.

$20K+ in Monthly Invoices

Minimum $20,000 in outstanding receivables per month from creditworthy clients.

Creditworthy Customers

Approval is based on your customers' payment history — not your personal credit score.

Turn Your Invoices Into Cash Today

Get your advance offer in hours — no debt, no long-term commitment.