Invoice Factoring for Small Businesses
Turn outstanding invoices into immediate working capital — stop waiting 30, 60, or 90 days to get paid and keep your business cash flow positive.
How Invoice Factoring Works
Simple 3-step process to convert invoices to cash.
Submit Your Invoices
Send us unpaid invoices from creditworthy business or government clients
Receive Advance
Get 80–95% of the invoice value funded to your account — often same day
Client Pays Factor
When your client pays, you receive the remaining balance minus a small fee
Key Benefits
Not a Loan
Factoring is the sale of an asset (your invoice), not debt — no impact on your balance sheet borrowing capacity.
Credit Score Independent
Approval is based on your customers’ creditworthiness, not yours — ideal for newer businesses.
Fast Funding
Receive funds within 24 hours of invoice verification in most cases.
Scales with Revenue
As your invoicing grows, your available funding grows automatically without reapplying.
Who Qualifies
Business Requirements
- B2B or B2G invoices (not consumer)
- Net 30–90 day payment terms
- Invoices for completed work or delivered goods
- No liens on receivables
Best Industries
- Staffing & Temp Agencies
- Trucking & Freight
- Construction Subcontractors
- Healthcare & Medical Billing
- Government Contractors
Ready to Unlock Your Invoice Value?
Tell us about your outstanding invoices and we’ll connect you with the right factoring solution.
Business-purpose lending only. Not a bank. Not a direct lender. NMLS #2484887.