Receivables Financing / Factoring
Turn unpaid invoices into working capital quickly — no debt added, no long-term commitment.
- Advance up to 90% of invoice value
- Fast funding available on approved invoices
- 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 cash without waiting 30, 60, or 90 days for customers to pay. Instead of carrying unpaid invoices on your books, approved invoices may be purchased by a factoring provider at a discount, with an advance of up to 90% of face value typically available soon after approval.
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. A factoring provider verifies your customers' payment history — not yours.
Get Pre-Approved
A factoring provider reviews your invoice portfolio and structures an advance rate. Decisions may be available quickly, depending on documentation.
Receive Your Advance
Get up to 90% of your invoice value deposited into your bank account, often within 24 hours of approval.
The Provider Collects — You Keep the Rest
When your customer pays the invoice, the factoring provider deducts its agreed fee and remits the remaining balance to you.
Terms at a Glance
Advance Rate
Up to 90% of invoice value
Factoring Fee
Set by provider
Invoice Minimum
Varies by provider
Monthly Volume
Varies by provider
Time to Funding
24 – 48 hours
Contract Required
Varies by provider
Do You Qualify?
B2B or Government Invoices
Your business must invoice other businesses or government agencies — consumer receivables are not eligible.
Monthly Invoice Volume
Generally $20,000+ in outstanding receivables per month; minimums vary by provider.
Creditworthy Customers
Approval is based on your customers' payment history — not your personal credit score.
Turn Your Invoices Into Cash Today
Get your funding options — no debt added to your balance sheet.