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

Not ready to apply?

Ask us about Invoice Factoring & A/R Financing

Tell us roughly what you need and a Caplli advisor will come back with real lender appetite — no application, no credit pull.

No credit check to enquire · we never sell your details
A $500 credit review & due diligence fee applies once you formally apply — refunded if we can't get you terms.

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Questions

Factoring — common questions

What loan amounts does Factoring financing cover?

Up to $10M facility. Creditworthy commercial / government customers

How fast can a Factoring close?

1 – 2 business days. Factor collects from the client; you receive the balance minus fees.

What rate should I expect?

1% – 4% per month for well-qualified borrowers, on terms of 30 – 90 days per invoice. Actual pricing depends on leverage, sponsor experience, asset quality and where the debt markets are — the rate on your term sheet is the one that counts.

What do I 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.

What should I watch out for?

More expensive than traditional debt. Customers know you're factoring. Doesn't work for cash-pay businesses. We'll tell you which of these actually bite on your deal rather than leaving you to find out at underwriting.

Ready when you are

Ready to price a Factoring?

Submit the deal and we'll bring you competing terms from lenders with active appetite — or talk it through with an advisor first.

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