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Factoring

Invoice Factoring & A/R Financing

Convert outstanding receivables into immediate working capital. Approval based on your customers' credit, not yours. Ideal for B2B and B2G businesses.

See my options How it works

Best for

  • B2B and B2G businesses on NET-30/60/90
  • Government contractors
  • Staffing, transportation, and manufacturing
  • Companies with limited credit history but strong receivables

What you'll need to qualify

  • Creditworthy commercial / government customers
  • B2B or B2G invoices (no consumer)
  • No minimum credit score requirement
  • Clean invoices with no offsets or disputes

How it works

  1. 1

    Submit invoices from creditworthy clients to the factor.

  2. 2

    Receive 80–90% of invoice value within 24–48 hours.

  3. 3

    Factor collects from the client; you receive the balance minus fees.

The trade-offs

Pros

  • • Approval based on customer credit, not yours
  • • Not a loan — no new debt on your books
  • • Scales as your sales grow

Trade-offs

  • • More expensive than traditional debt
  • • Customers know you're factoring
  • • Doesn't work for cash-pay businesses

See what you qualify for

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