Turn outstanding invoices into immediate working capital — without taking on new debt.
Invoice factoring is not a loan — it's an advance against money you've already earned. You sell outstanding invoices at a small discount and receive a large percentage of the invoice value upfront. When your customer pays, the remaining balance is sent to you.
Ideal for B2B businesses with long payment cycles, staffing companies, freight carriers, and any business where cash flow gaps create operational strain.
Apply in minutes. No obligation, no impact to your credit score. We review your file and present your best options.
Start Free ApplicationFactoring isn't a loan — you're accessing money you've already earned.
Approval is partly based on your customers' payment history, not just yours.
As your invoicing grows, so does your access to capital.
No obligation, no credit impact. Apply in under 5 minutes and get your options within one business day.
Apply Now — It's FreeEvery business is different. These are general benchmarks — not hard cutoffs.
Companies that invoice commercial or government clients with net-30 to net-90 terms.
Businesses tired of waiting weeks for payment while operating expenses pile up.
Companies that need cash now to fund the next order before the previous one is paid.
No. Factoring is the sale of your accounts receivable at a discount. You're not borrowing — you're accessing cash already owed to you. No debt is added to your books.
In traditional factoring, customers are directed to pay the factoring company directly. Confidential arrangements are also available.
B2B businesses with net-30, net-60, or net-90 payment terms — staffing agencies, freight companies, manufacturers, distributors, and government contractors.
This depends on whether the agreement is recourse or non-recourse. In recourse factoring you may be responsible; in non-recourse, the factor absorbs the risk.
No lengthy bank processes. Fast capital for real business owners.
Apply Now — It's Free