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Invoice Factoring

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

Up to 90% advanced Funds in 24 hours Not a loan — no new debt Scales with your sales
Amount
Up to 90% of invoice value
Speed
Cash in as little as 24 hours
Term sheet · draft1 / 3
Your need33%
$

Checking your options won't affect your credit score. Takes ~2 minutes.
75+
Lending partners
$5K–$5M
Funding range
24 hrs
As fast as
50 states
Served nationwide
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.

Frequently asked questions

Is invoice factoring a loan? +

No. You're selling your unpaid invoices at a small discount in exchange for immediate cash. There's no debt on your balance sheet, and approval depends on your customers' credit, not just yours.

How much does it cost? +

Typically a small percentage of the invoice value (a factor fee) for the time the invoice is outstanding. We'll match you with partners and help you compare rates clearly.

Do my customers know? +

It depends on the type. Some programs are notification-based and some are confidential. We'll match you with the structure that fits how you want to operate.

Invoice Factoring by industry

Invoice Factoring for Trucking & Transportation Invoice Factoring for Staffing Agencies Invoice Factoring for Manufacturing Invoice Factoring for Wholesale & Distribution Invoice Factoring for Professional Services

Looking locally? Browse invoice factoring by state →

How it works

One application. The right lenders.

Instead of applying to lenders one by one, fill out a single snapshot — no spam, no hard credit pull to get started.

  1. 01

    Tell us what you need

    Answer a few quick questions about your business and funding goal. It takes about two minutes and won't affect your credit.

  2. 02

    Get matched

    We review your snapshot and match you with the funding partners most likely to approve a deal like yours.

  3. 03

    Review offers & get funded

    Compare your options with a funding specialist and choose what works. Approved deals can fund in as little as 24 hours.