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Invoice Factoring
Convert unpaid invoices into immediate working capital.
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Loan Amount
Up to 95% of the invoice value
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Time to Fund
Within 24 hours
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Term Length
2 to 24 Months
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What is invoice factoring?
Invoice factoring helps businesses unlock cash flow by selling unpaid invoices to a financing company at a discount. This solution is perfect for businesses with slow-paying customers, allowing them to access funds quickly without waiting for payment terms to expire. If your business relies on accounts receivable, invoice factoring provides immediate liquidity to keep operations running smoothly.
Invoice Factoring vs Account Receivable Financing
Both invoice factoring and accounts receivable financing help businesses unlock capital from unpaid invoices, but they serve different purposes. Invoice factoring involves selling invoices to a third party at a discount for immediate cash, while accounts receivable financing allows businesses to borrow against outstanding invoices while retaining collection control. Business owners should consider their cash flow needs and how each option affects long-term financial strategy.
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Minimum Requirements
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Credit Score
590
Monthly Revenue
$8K+
Time in Business
0 -12 Months
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Factoring companies often take over collections, which may affect client interactions. Some businesses prefer non-notification factoring, where they retain control of collections.
Typically, 70%-90% of the invoice value is advanced, with the remaining balance (minus fees) released once the invoice is paid.
Most factoring companies require a minimum monthly revenue of $10,000 to $50,000, depending on the industry and client creditworthiness.
Factoring is not a loan but a cash flow solution. It is faster than traditional financing but can be more expensive due to discount rates and fees.
Yes, since approval is based primarily on the creditworthiness of your customers rather than your business.
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