Invoice Factoring
Convert unpaid B2B invoices into immediate working capital — and stop financing your clients' net-60 terms.
What It Is
An overview of invoice factoring
Invoice factoring turns the money your customers already owe you into cash you can use today. We advance up to 90% of an invoice's value immediately, then release the remainder — less a small factoring fee — once your customer pays.
It is not a loan, so it adds no debt to your balance sheet. Approval hinges largely on the creditworthiness of your customers rather than your own, making it accessible even to younger businesses with strong B2B clients.
Best For
When this is the right fit
- B2B businesses waiting 30, 60, or 90 days for customer payment
- Companies whose growth is capped by tied-up receivables
- Firms that want capital without adding debt to the balance sheet
- Businesses with creditworthy customers but limited operating history
How It Works
From application to funded
Submit your invoices
Send us the outstanding invoices you'd like to factor — typically from creditworthy business customers.
Receive your advance
We advance up to 90% of the invoice value, often the same day, straight to your account.
Your customer pays us
Your client pays the invoice on their normal terms, directly to a managed account.
Collect the remainder
We release the held balance, minus a small factoring fee, once payment clears.
Rates & Terms
The numbers, clearly stated
Factoring is priced as a small fee on the invoice value rather than an interest rate. The cost scales with how long the invoice takes to pay.
Eligibility
What you'll need to qualify
Our baseline criteria
Most clients qualify with these guidelines — though they're flexible, not hard cutoffs. Strong performance in one area can offset a shortfall in another.
- At least 6 months in business under current ownership
- $15,000+ in average monthly revenue
- A personal credit score of 500 or above
- A business bank account and the last 3–6 months of statements
Why Choose It
The advantages at a glance
No new debt
Factoring sells an asset you already own, so nothing is added to your balance sheet.
Same-day cash
Advances frequently fund the same day you submit qualifying invoices.
Approval on their credit
Qualification rests largely on your customers' creditworthiness, not just yours.
Scales with sales
The more you invoice, the more capital you can unlock — funding grows alongside revenue.
Questions
Frequently asked
Related Funding
Other solutions to consider
Let's match you with the right capital.
Tell us your goal and an advisor will confirm whether invoice factoring is your ideal structure — usually within the hour.