Invoice Factoring & Receivables Financing – Unlock Cash Flow with Caplli
At Caplli, we understand that waiting on customer payments can create serious challenges for small and mid-sized businesses.
Even profitable companies can find themselves strapped for cash when invoices take 30, 60, or even 90 days to be paid. That’s why we offer invoice factoring, purchase order (PO) financing, and accounts receivable financing to help businesses turn outstanding invoices into immediate working capital.
Based in Dallas, TX, and serving businesses nationwide, our goal is simple: give you the resources you need to cover expenses, take on new opportunities, and keep operations running without delay. With our technology-driven platform and nationwide lender network, we simplify the process of securing funding against receivables—so you spend less time waiting on payments and more time growing your business.
Less uncertainty. More approvals. Powered by Caplli.
What Is Invoice Factoring?
Invoice factoring is a financing solution that allows you to sell your outstanding invoices to a lender at a discount in exchange for immediate cash. Instead of waiting weeks or months for your customers to pay, you can access a large portion of that revenue upfront. Once your client pays the invoice, the remaining balance (minus a small fee) is released to you.
This approach provides:
- Immediate access to working capital
- Fewer cash flow disruptions
- The ability to reinvest in growth without waiting on receivables
Invoice factoring is ideal for businesses that invoice customers on net-30, net-60, or net-90 terms and need quicker access to their cash.
Accounts Receivable Financing
Similar to factoring, accounts receivable (AR) financing uses your unpaid invoices as collateral for a loan or line of credit. The key difference is that instead of selling the invoices, you borrow against them. This allows you to maintain control of your collections while still unlocking the cash tied up in receivables.
Benefits of AR financing include:
- Flexibility to borrow only what you need
- Retained ownership of your invoices and customer relationships
- Easier approvals since receivables act as collateral
With Caplli, our platform matches you with lenders that understand your receivables profile, your industry, and your cash flow needs, ensuring you get the structure and terms that work best for your business.
Purchase Order (PO) Financing
For product-based businesses, large purchase orders can be both an opportunity and a challenge. Without enough capital on hand, you may struggle to fulfill an order that could otherwise mean significant revenue.
That’s where PO financing comes in. This funding option provides the capital to pay suppliers upfront, allowing you to deliver on large or unexpected purchase orders without straining your cash flow. Once the customer pays, the financing is repaid—helping you capture opportunities that might otherwise be out of reach.
PO financing is particularly useful for importers, wholesalers, manufacturers, and distributors who face long supply chains or supplier prepayment requirements.
Why Businesses Choose Factoring & Receivables Financing
For many companies, access to working capital is one of the biggest roadblocks to growth. With invoice factoring, AR financing, or PO financing, you can overcome those challenges with funding that aligns with the way your business operates.
Key benefits include:
- Fast Cash Flow Relief – Access funds in days, not weeks.
- Credit Flexibility – Approvals are based more on your customer’s creditworthiness than your own.
- Scalability – Financing grows as your sales and receivables grow.
- Improved Vendor Relationships – Maintain on-time payments to suppliers and staff.
- Growth Enablement – Take on larger orders or new contracts without cash flow constraints.
Smart Matching. Simplified Lending.
How the Process Works
At Caplli, we’ve designed a process that makes receivables financing as clear and stress-free as possible.
- Apply Online – Share basic details about your invoices, receivables, or purchase orders.
- Profile Building – Our platform organizes your information into a lender-ready package.
- Smart Matching – We connect you with the best-fit factoring companies and lenders in our nationwide network.
- Approval & Funding – Receive an advance on your invoices, receivables, or PO within days.
- Repayment – Once your customer pays, the lender collects and releases the balance (minus fees).
With our nationwide network of over 500 lenders, including banks, credit unions, and private capital partners, you’ll get access to competitive rates and tailored structures designed for your business.
Who Can Benefit from Invoice Factoring?
Invoice factoring and AR financing are especially valuable for businesses that extend payment terms to customers (net-30, net-60, or net-90), experience seasonal fluctuations or long sales cycles, need liquidity to fulfill large purchase orders, want to avoid taking on traditional debt, or operate in industries like manufacturing, wholesale, logistics, construction, staffing, or distribution. If your cash flow is tied up in receivables, Caplli can help you unlock it.
Frequently Asked Questions
Many clients receive funds within a few days of approval.
Typically, you can access 70–90% upfront, with the remainder released after your customer pays.
In most cases, yes, as payments are directed to the factoring company. With AR financing, however, you retain control of collections.
PO financing provides funds before the sale is completed (to pay suppliers), while factoring provides funds after invoices are issued.
No—factoring is primarily based on your customer’s creditworthiness, not just yours.
Why Partner with Caplli?
Caplli is more than a financing platform—we’re your partner in growth.
- Nationwide Network – Access to 500+ lenders means more options and competitive terms.
- Performance-Based Approach – We highlight your business strengths, not just your credit score.
- Faster Approvals – Many clients see funding in just days.
- Transparent Service – No hidden fees or last-minute surprises.
- Long-Term Partnership – We provide ongoing support and guidance as your financing needs evolve.
Less uncertainty. More approvals. Powered by Caplli.
Keep Your Cash Flow Moving with Caplli
At Caplli, we believe no business should have to turn down opportunities or risk falling behind because of slow customer payments. With invoice factoring, accounts receivable financing, and PO financing, we give you immediate access to the capital you’ve already earned—so you can reinvest in growth, pay your team, and deliver for your customers.
From Dallas to anywhere in the U.S., our technology-driven platform and nationwide network make it simple to unlock working capital when you need it most.
Smart Matching. Simplified Lending. Powered by Caplli.