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Invoice Factoring

Stop waiting 60 days to be paid for work you already did.

15 yrsFunding U.S. small business since 2011

8Financing structures under one roof

24 hrsFastest time to funded

Own capitalDirect on our core products

At a glance

Turn unpaid invoices into working capital

We advance a percentage of your outstanding B2B invoices and settle when your customer pays. Facility fees are billed monthly, so the cost is predictable while the cash arrives early.

Best suited to: Staffing, freight, wholesale, manufacturing — anyone on net-30 to net-90 terms.

Monthly payments

Facility sizeUp to $5,000,000
Advance rateTypically 80–90% of invoice value
Payment scheduleMonthly
SpeedAdvance within 24 hours of verification
SettlementOn customer payment of the invoice
EligibilityCommercial (B2B) invoices only

Apply for Factoring Talk to a desk

Warehouse worker checking paperwork on a clipboard beside stacked goods

What you get

How this works in practice

Cash against invoices instead of waiting out the terms.
Facility fees billed monthly and known in advance.
Scales with your book — more invoices, more available capital.
Consumer invoices are not eligible; B2B only.
Works alongside a line of credit in most cases.

How it works

Three steps. One desk.

See the full process

Send us the file

A short application and a read-only look at your business bank activity. Ten minutes, no fee, no obligation.

We decide

Our own underwriters review it. On core products the capital is ours, so the answer comes from us — not a panel you never meet.

Sign and get funded

Terms in writing, total cost on the page. Sign electronically and funds move — in as little as 24 hours.

What we look at

Four things. None of them a mystery.

We underwrite on how the business actually trades — time in operation and real revenue moving through the account.

1 year in business

Your business has been trading and generating revenue for at least twelve months.

$180,000 annual revenue

Gross annual revenue of $180,000 or more, evidenced by recent bank statements.

Business bank account

An active business account in the legal name of the company.

U.S.-based operation

Registered and trading in the United States.

Questions

About factoring

It depends on the structure. Notification factoring informs your customer that the invoice is payable to us; non-notification keeps the arrangement private. Your advisor will set out which applies before you sign.

A merchant cash advance, working capital loan or equipment approval can fund in as little as 24 hours. Term loans and lines of credit typically run 48 hours. Commercial real estate runs 30 to 60 days and SBA 30 to 90 — those two involve more documentation and, in the SBA case, a participating lender.

Every product we offer repays monthly except the merchant cash advance, which remits weekly. That is deliberate: weekly remittance is what lets an advance track your sales rather than land as a single monthly charge.

Other structures