Up to 90%
of Invoice Value
From 1%/mo
Fee Range
24–48 hours
Funding Speed
Ongoing
Facility Type
How does AR financing work?
There are two main forms of accounts receivable financing. In factoring, you sell your invoices to a lender at a discount and the lender collects payment directly from your customers. In invoice financing, you borrow against the value of your receivables and collect payments yourself.
Both structures help businesses with slow-paying customers maintain steady cash flow without taking on traditional debt. Approval is primarily based on your customers' creditworthiness, not your own.
Key Benefits
- Unlock cash tied up in receivables
- Approval based on customer credit
- No new debt on your balance sheet (factoring)
- Scales with your sales
Requirements
Meet these basic qualifications to get started. Don't meet every requirement? Our advisors can help find alternatives.
How to apply
Quick Application
Fill out our simple inquiry form. Tell us about your business, goals, and financial profile in just 5 minutes.
Discovery Call
Speak with a funding specialist who will learn about your needs and craft a personalized funding strategy.
Meet Your Advisor
Work one-on-one with your dedicated advisor through onboarding, credit optimization, and the funding process.
Get Funded
Execute your funding strategy with expert guidance and receive the capital your business needs to grow.
Frequently asked questions
In factoring, the lender buys your invoices and collects payment from your customers. In invoice financing, you borrow against invoices and collect payment yourself. Factoring is simpler; invoice financing is more discreet.
With traditional factoring, yes — customers pay the factor directly. Non-notification factoring and invoice financing keep the arrangement private.
Fees typically range from 1–5% per month of the invoice value, depending on customer credit, invoice age, and volume. Larger, more predictable receivables get the best rates.
Explore similar funding options
Ready to get funded?
Take the first step toward the capital your business needs.