Receivables Financing / Factoring
Turn unpaid invoices into working capital within 24 hours — no debt added, no long-term commitment.
- Advance up to 90% of invoice value
- Funding in as little as 24 hours
- No debt added to your balance sheet
- Works with B2B and government invoices
- No long-term contracts required
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.