Accounts Receivable Financing
Stop waiting 30, 60, or 90 days for customers to pay. Accounts receivable financing lets you unlock the cash tied up in unpaid invoices, giving you immediate working capital to keep your business running and growing.
Up to 90%
Advance Rate
From 1–3%
Factor Rates
30–90 days
Invoice Terms
24–48 hours
Funding Speed
What is accounts receivable financing?
Accounts receivable financing (also known as invoice factoring or AR financing) allows you to borrow against or sell your outstanding invoices to a lender. Instead of waiting weeks or months for customers to pay, you get immediate access to a large percentage of the invoice value.
This type of financing is particularly valuable for businesses with long payment cycles or large B2B contracts. It helps you maintain healthy cash flow without taking on traditional debt.
Key Benefits
- Get up to 90% of invoice value upfront
- Funding based on your customers' creditworthiness
- No long-term debt commitment
- Scale funding as your sales grow
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 with your business details and funding needs in just 5 minutes.
Discovery Call
Speak with a funding specialist who will craft a personalized strategy based on your goals.
Get Matched
Your dedicated advisor matches you with the best lenders and products from our network.
Get Funded
Complete the process with expert guidance and receive the capital your business needs.
Frequently asked questions
You sell your outstanding invoices to a factoring company at a discount. They advance you 80-90% of the invoice value immediately, then collect payment from your customer. Once paid, you receive the remaining balance minus the factoring fee.
It depends on the type. With notification factoring, your customers are informed. With non-notification factoring, the arrangement stays between you and the lender. We can help you find options that fit your preference.
Any B2B business with outstanding invoices can benefit, but it's especially common in construction, trucking, staffing, manufacturing, and healthcare where payment cycles are typically 30-90 days.
Financing limits are based on your outstanding invoices. As your sales and invoicing volume grow, your available financing grows with it — making this a naturally scalable solution.
Explore similar funding options
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Take the first step toward the capital your business needs.
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