04 — Receivables
Invoice Factoring
Convert outstanding invoices into immediate cash — stop financing your clients' net-60 terms out of your own pocket.
What it is.
Invoice factoring advances you the bulk of an invoice's value the moment you issue it, rather than waiting 30, 60, or 90 days for your customer to pay. We advance up to 90% upfront and remit the remaining balance — minus a modest factoring fee — once the invoice settles.
Because the advance is tied to receivables you've already earned, factoring scales naturally with your sales and doesn't add debt to your balance sheet. Approval leans on the creditworthiness of your customers as much as your own, making it accessible even to younger B2B companies.
Best for.
Factoring fits B2B businesses that invoice on terms and feel the squeeze of slow-paying clients between delivery and payment.
- Bridging long net-30, net-60, or net-90 payment terms
- Funding payroll and materials while invoices are outstanding
- Scaling capacity in step with a growing order book
- Younger B2B firms with strong customers but a thin credit file
How it works.
Submit invoices
Send us the invoices you'd like to factor through your dashboard.
Get advanced
We verify and advance up to 90% of each invoice's value, typically within 24–48 hours.
Customer pays us
Your customer remits payment directly to us on their normal schedule.
Receive the balance
We release the remaining balance to you, less a small factoring fee.
Rates & terms.
- Advance rate
- Up to 90% of invoice
- Factoring fee
- From ~1% – 3% / 30 days
- Invoice size
- $1,000 and up
- Funding speed
- 24 – 48 hours
- Recourse
- Recourse & non-recourse options
- Contract
- No long-term lock-in required
Rates and limits are illustrative and depend on underwriting, time in business, revenue, and credit profile. This is not an offer or commitment to lend.
Eligibility.
- 6+ months in business under current ownership
- $15,000+ in average monthly revenue
- 500+ personal credit score
- A B2B model that invoices creditworthy commercial customers
Why businesses choose it.
Cash in days
Turn a 60-day wait into 24–48 hours, so receivables stop holding your operations hostage.
Scales with sales
The more you invoice, the more you can factor — funding grows automatically with your book.
Not a loan
Factoring advances money you've already earned, so it doesn't add debt to your balance sheet.
Client-credit based
Approval leans on your customers' creditworthiness, opening the door to younger firms.
Flexible volume
Factor every invoice or just the ones you choose — no obligation to commit your whole book.
Optional collections
In non-recourse arrangements, we can shoulder the credit risk if a customer defaults.
Invoice Factoring FAQ.
Related funding.
Stop waiting on invoices
Get paid in 24–48 hours.
Turn your outstanding receivables into working capital — apply in minutes.