# Invoice Factoring

> Stop waiting 30, 60, or 90 days to get paid — turn your unpaid invoices into cash now.

## Key takeaways
- Invoice factoring advances up to 90% of an unpaid B2B invoice's value, often within 24 hours, instead of waiting 30 to 90 days to get paid.
- It is not a loan — you sell receivables you've already earned, so no new debt is added to your balance sheet.
- Approval depends on your customers' credit rather than just yours, so startups and newer businesses can qualify.
- It fits businesses that invoice other companies or government agencies, like staffing, trucking, manufacturing, and wholesale.

Invoice factoring (also called accounts receivable financing) converts your **unpaid B2B invoices into immediate working capital**. Instead of waiting 30 to 90 days for customers to pay, you get up to 90% of the invoice value within a day.

## Why factoring instead of a loan

- **No new debt** — you're advancing money you've already earned
- **Approval based on your customers' credit**, so newer businesses qualify
- **Funding scales automatically** as you invoice more

## Best for

Businesses that invoice other companies or government agencies and have cash tied up in slow-paying receivables — staffing, trucking and freight, manufacturing, wholesale, and professional services.

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Canonical: https://hoss-capital.pages.dev/products/invoice-factoring/