Invoice Factoring
Turn unpaid invoices into cash today.
- Advance on unpaid invoices
- Most value up front
- Closes net-term gaps
Decision as fast as 24 hours · No hard credit pull
Get most of the invoice now; the rest, minus a fee, lands when your customer settles.
Overview
Invoice factoring turns your unpaid B2B invoices into immediate cash. Instead of waiting on net-30, net-60, or net-90 terms, you advance against the invoice and receive most of its value up front. When your customer eventually pays, you get the remaining balance back, minus a fee. It's a way to unlock money you've already earned but haven't yet collected.
This fits businesses that invoice other businesses and feel the squeeze of long payment terms, staffing firms, wholesalers, freight, and agencies. Because the funding is tied to invoices you've already issued, approval leans on your customers' ability to pay rather than your own credit. It's built specifically to close the cash-flow gap created by slow-paying clients.
- Advance on unpaid invoices
- Most value up front
- Closes net-term gaps
Is a invoice factoring right for you?
Great for:
- Staffing and agency firms
- Wholesalers and distributors
- Freight and logistics
- Net-30/60/90 cash-flow gaps
How it works
How a invoice factoring works.
You check your options with a soft credit pull that doesn't affect your score and submit the unpaid B2B invoices you want to factor. Partners review the invoices and your customers' payment reliability.
Once approved, you receive most of each invoice's value up front, often within a day, deposited to your business checking account. Your cash flow no longer waits on net terms.
When your customer pays the invoice, you receive the remaining balance back, minus the agreed factoring fee. The cycle can repeat with new invoices as you issue them.
At a glance
Invoice Factoring terms.
The upside
- Unlocks cash you've earned
- Most invoice value up front
- Leans on customers' credit
- Closes long net-term gaps
Things to weigh
- A fee reduces invoice value
- Requires B2B invoices
- Depends on customers paying
Common questions
Invoice Factoring FAQs.
How much of the invoice do I get up front?
You typically receive most of the invoice's value right away, with the remaining balance paid to you, minus a fee, once your customer settles the invoice.
Does my credit matter most here?
Less than usual. Because the funding is tied to invoices already issued, approval leans heavily on your customers' ability to pay rather than your own credit alone.
What kind of invoices qualify?
Unpaid business-to-business invoices on net terms, such as net-30, net-60, or net-90. It's designed to bridge the gap created by slow-paying B2B customers.
How It Works
Funding that moves at your speed.
Apply in minutes
A short online application, no hard credit pull to see your options.
Get matched
We review your profile and match you to the financing that fits your business.
Review your offer
Talk it through with a real funding specialist. No pressure, no jargon.
Get funded
Accept your offer and receive funds, as soon as the same day.
Do You Qualify?
Our basic requirements.
Other underwriting factors may apply. Not all applicants will qualify.
Apply for a invoice factoring.
Tell us about your business and a funding specialist will reach out with your options. About 2 minutes, no hard credit pull, no obligation.
Start Your Application