Invoice Factoring

DOES YOUR BUSINESS NEED CASH FLOW? 

Invoice Factoring

What is Invoice Factoring?

Invoice factoring is a powerful financing solution that allows businesses to generate cash flow by leveraging their outstanding invoices. Instead of waiting 30, 60, or even 90 days for customers to pay, factoring enables you to receive immediate working capital from a third-party commercial finance company.

When you factor, we advance up to 90% of the value of your invoices within 24 hours of receiving an invoice, freeing up cash flow to handle operational expenses such as payroll, inventory purchases, and business growth. Factoring is not a loan—there’s no debt added to your balance sheet, and the funds are unrestricted, so you can use them however you choose.

Unlike traditional lenders, we focus on your customer’s creditworthiness—not your business or personal credit history—ensuring that your ability to access capital is based on your client’s strengths.

Why Choose Invoice Factoring?

• Immediate Working Capital: You will be paid in 24 hours, not 30, 60, or 90 days, giving you access to funds to cover payroll, inventory, and growth opportunities.
• No Debt on Your Balance Sheet: Factoring is not a loan, so that it won’t add debt to your balance sheet. The funds you receive are considered a sale of your accounts receivable, not a loan.
• Focus on Your Customers’ Credit, Not Yours: Unlike traditional lenders, we focus on your customers’ creditworthiness—not your personal or business credit scores—making factoring a viable solution even for businesses with challenged credit.
• Flexibility: Factoring is available whenever you generate new invoices, so your working capital can grow as your business does without the limits of traditional financing.
• Back-Office Support: collections and customer communications is handled, allowing you to focus more on running your business while we manage your receivables.
• Ideal for Growth and Seasonality: Invoice factoring is an excellent option for businesses that experience seasonal fluctuations, fast growth, or struggle with slow-paying clients.
• Simple and Transparent: The factoring process is clear and straightforward, with no hidden fees. You know exactly how much you’ll receive and when.
• Keep 100% Ownership: Factoring allows you to retain full ownership of your business. You don’t need to give up equity to get the cash flow you need.

Invoice factoring is a reliable alternative to traditional bank loans or lines of credit. Unlike a bank loan, which can take weeks to secure and often requires strong credit and collateral, invoice factoring is fast, flexible, and accessible to businesses of all sizes. You can get the working capital you need based on your customer’s credit, not your creditworthiness.

FUNDING WE OFFER INCLUDES:

• Secured and un-secured credit lines
• Account receivable factoring
• Merchant cash advances
• Purchase order and inventory financing
• Revenue financing
• Equipment leasing and financing
• SBA Loans
• 401k & securities loans
• business credit cards
• And more…