AR financing solutions

Working capital based on your unpaid invoices — Invoice Factoring Finance

Q: What are the primary invoice financing requirements?

You typically need proof of a B2B business model, valid commercial invoices, and creditworthy customers. Lenders generally require your accounts receivable aging report to verify your client base before approving funding amounts between $10K and $500K.

Q: Does factoring affect my credit score?

No. Factoring is the sale of an asset—your unpaid invoice—rather than a loan. Because it is not debt, it does not appear on your balance sheet as a liability, keeping your credit profile clean for future financing.

Q: How does non-recourse factoring protect my business?

In non-recourse agreements, the factor assumes the credit risk. If your client goes bankrupt or becomes insolvent, you are not liable to repay the advance. Fees are slightly higher for this insurance, usually costing an extra 0.5%.

Q: Can startups qualify for invoice factoring services?

Yes. Because we fund based on the creditworthiness of your clients rather than your company history, many startups qualify. If your customers are established commercial entities, your age of business matters much less to the lender.

Convert outstanding commercial invoices into immediate cash to bridge payroll or supply gaps without taking on traditional bank debt.

Call a funding specialist

Soft inquiry takes 60 seconds. No credit impact.

How it works Why this exists

Key industry terms

Advance rate
Discount fee
Recourse
Non-recourse
Notice of assignment
Holdback
Dilution
Credit worthiness

What we fund

Invoice factoring and accounts receivable financing for B2B SMEs

Financing options matched to your situation, in one place.

$10K–$5M Funding range
24–48 hours Approval to cash
90% max Standard advance rate

How it works

How the money moves.

One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.

Submit inquiry

Complete the short form to match with lenders.

Lender

Verify invoices

Lenders review your AR aging report and client credit scores.

Lender

Receive funds

Cash is deposited into your business bank account.

You

Repay balance

Your client pays the invoice directly to the factor.

Fast access to capital

Funding arrives within 24 to 48 hours of approval.
Simple documentation requirements for rapid processing.

Non-recourse protection

Safeguard your cash flow against client bankruptcy.
We assume the credit risk so you remain solvent.

Ownership control

Maintain 100% equity in your company.
Choose exactly which invoices you want to factor.

Why this exists

Why the usual lenders say no.

Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.

Insufficient collateral

Banks require hard assets like real estate or equipment to secure a loan.

We use the invoice itself as the asset to secure funding.

New in business

Traditional lenders demand three years of tax returns for approval.

We focus on your customer credit quality instead of your tenure.

Low personal credit

Bank term loans heavily weight personal credit history for owners.

Approval is based on the creditworthiness of your B2B clients.

Composite scenarios

What a funded request actually looks like.

Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.

$15K–$25K

Web Design Agency

Bridge cash gap between net-60 client payments

$200K–$500K

Manufacturing Supplier

Fulfill large material purchase orders

$50K–$80K

IT Consulting Firm

Cover payroll for new developer hires

$30K–$45K

Commercial Printing

Purchase bulk ink and paper stocks

How we label illustrative scenarios →

Business services

Compare equipment lease options

If you need to upgrade machinery or software without large capital expenditure, explore our partner equipment lease programs.

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Questions we get asked

Frequently asked.

How do 2026 invoice factoring rates compare to bank loans?

Bank loans often offer lower APRs but take months to approve. Factoring is faster, usually charging a 1-5% discount fee per month based on the invoice value, making it a better tool for short-term liquidity needs.

What are the primary invoice financing requirements?

Does factoring affect my credit score?

How does non-recourse factoring protect my business?

Can startups qualify for invoice factoring services?