Factoring Financing

What Is Invoice Factoring?

Factoring allows businesses to convert outstanding accounts receivable into immediate working capital. Instead of waiting 30, 60, or 90 days for customers to pay, you sell those invoices to a factoring company and receive a large percentage of the invoice value upfront, typically 80 to 95%.

This is not a loan, there is no debt added to your balance sheet and no fixed monthly payment. It is a flexible, fast-access capital solution ideal for businesses that need liquidity to fund operations, payroll, or growth.

Who Benefits From Factoring?

• Businesses with long payment cycles (net 30/60/90)
• Staffing, logistics, and transportation companies
• Contractors and subcontractors awaiting payment
• Healthcare providers with insurance receivables
• B2B companies that cannot qualify for traditional bank financing

Key Features

• Advance rates of 80-95% of invoice value
• Approval based on your customers’ credit, not yours
• Funding in as little as 24-48 hours
• Recourse and non-recourse options available
• Scalable, grows with your invoice volume