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You did the work. Put the money to work.
Waiting 30, 60, or 90 days to get paid should not stall your business. Invoice factoring turns your eligible receivables into immediate working capital, and as new invoices qualify, you get recurring access to funding.
Long invoice waits, converted into working capital today.
At a glance
Your invoices are capital waiting to happen.
If your customers pay on net-30, net-60, or net-90 terms, you are essentially financing their business with yours. Factoring flips that: you get an advance on money already owed to you, and your business keeps moving.
This is not a loan and it does not add a monthly payment to your books. It is your own revenue, arriving when you need it instead of when your customers get around to it.
Start Your ApplicationHow it works
Your revenue, on your schedule.
Factoring follows the rhythm of your billing. Here is how a typical cycle works.
Share your receivables
You submit your outstanding invoices from creditworthy business customers.
Get your advance
You receive an advance on the invoice value, minus a clearly stated fee. No mystery math.
Your customer pays
When your customer pays on their normal terms, the balance settles.
Repeat as you bill
New invoices mean new advances. The facility grows with your sales.
Who it’s for
Made for businesses that bill first and wait.
If you deliver the work and then wait weeks to get paid, factoring was designed for your exact frustration.
- You sell to other businesses on invoice terms, not at the point of sale.
- Your customers are creditworthy, even if your own credit is a work in progress.
- Growth is outpacing your cash: more work than your bank account can float.
- You would rather fund growth with revenue than with new debt.
Because the advance is secured by your receivables, approvals lean on your customers’ credit more than yours. Advance rates and fees depend on volume and invoice quality, and we quote them plainly before you commit.
Where it fits
Where factoring keeps businesses moving.
The staffing agency
Payroll hits every Friday but clients pay in 45 days. Factoring bridges the gap so the agency can take on more contracts without fear.
The manufacturer
A big order meant buying materials months before getting paid. Factoring funded the materials and the line workers to build it.
The wholesaler
Landing a national account was great news and a cash crisis in one. Factoring turned those first big invoices into the working capital to fulfill them.
Stop waiting to get paid.
Send us your receivables picture and we will show you how fast your own revenue can reach you. Start your application today.
Straight answers
Questions, answered.
Is factoring a loan?
No. It is an advance on money your customers already owe you. There is no loan balance added to your books and no fixed monthly loan payment.
What does factoring cost?
You receive an advance on each invoice minus a fee. Advance rates and fees depend on your volume, your customers’ credit, and invoice terms. We quote everything plainly up front.
What if a customer does not pay?
That depends on whether your facility is recourse or non-recourse, which we explain in plain terms before you sign. Either way, you will know exactly where you stand.
Will my customers know I am factoring?
Typically yes: customers usually remit to a designated account. It is a normal, professional arrangement that thousands of B2B companies use.
How fast can I get funded?
Once your facility is set up, advances on new invoices move quickly. Setup speed depends on documentation, and we keep it moving.
Your next chapter
Let’s put your capital plan on the table.
Share what your business needs. We will bring the strategy.
Funding is subject to eligibility, underwriting and approval. Amounts, rates, terms and timing vary. Introductory credit card rates are time-limited and may involve fees. Property-secured financing places collateral at risk.