04 — Receivables

Invoice Factoring

Convert outstanding invoices into immediate cash — stop financing your clients' net-60 terms out of your own pocket.

Amount rangeUp to 90% of invoice value
Typical termPer invoice cycle
Funding speed24 – 48 hours
01 / Overview

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.


02 / Fit

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

03 / Process

How it works.

STEP 01

Submit invoices

Send us the invoices you'd like to factor through your dashboard.

STEP 02

Get advanced

We verify and advance up to 90% of each invoice's value, typically within 24–48 hours.

STEP 03

Customer pays us

Your customer remits payment directly to us on their normal schedule.

STEP 04

Receive the balance

We release the remaining balance to you, less a small factoring fee.


04 / Terms

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.

05 / Requirements

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
Factoring weighs your customers' credit as heavily as your own — so even a newer business with blue-chip clients can qualify quickly.

06 / Benefits

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.


07 / Questions

Invoice Factoring FAQ.

No. You're selling your receivables at a small discount for immediate cash, so it doesn't create debt or a monthly loan payment. The cost is the factoring fee deducted when the invoice is paid.
In most arrangements, your customers remit payment directly to us. We handle that step discreetly and professionally to protect your client relationships.
With recourse factoring, you're responsible if a customer ultimately doesn't pay. With non-recourse, we assume that credit risk for a slightly higher fee. We'll recommend the right fit for your customer base.
No. You choose which invoices to factor and when. There's no requirement to commit your entire receivables ledger.

Stop waiting on invoices

Get paid in 24–48 hours.

Turn your outstanding receivables into working capital — apply in minutes.