Accounts Receivable Financing - Turn your unpaid invoices into immediate working capital
Eliminate cash flow gaps and fuel your business growth with flexible financing solutions that convert your accounts receivable into ready capital.
Key features
Our accounts receivable financing solutions are designed to provide the capital you need without the constraints of traditional loans.
Fast Funding
Access capital in as little as 2–5 days after invoice verification, eliminating cash flow gaps and enabling you to meet immediate business needs.
No Fixed Repayment Schedule
Repayment occurs naturally as your customers pay their invoices, aligning perfectly with your business cash flow cycle.
Non-Dilutive Financing
Maintain full ownership of your business while accessing the capital you need for growth and operations.
Flexible Advance Rates
Receive up to 90% of your invoice value upfront, with the remainder paid when your customer settles the invoice.
No Debt Added to Balance Sheet
Unlike traditional loans, accounts receivable financing is often structured as an asset sale, keeping your balance sheet clean.
Scalable Funding
Financing grows with your business as you generate more invoices, providing a scalable solution for businesses of all sizes.
The facts
What accounts receivable financing looks like at a glance.
- Funding amount available against your eligible receivables.
- $10K–$5M
- Flexible term lengths structured around how your invoices pay.
- 6 mo–10 yr
- Typical funding speed after invoice verification — as little as 24 hours.
- 2–5 days
Financing options
We offer a variety of accounts receivable financing solutions to meet your specific business needs.
Invoice Factoring
Sell your invoices to a factoring company that assumes responsibility for collections
Invoice Discounting
Borrow against your invoices while maintaining control of your customer relationships
Spot Factoring
Finance individual invoices as needed rather than your entire accounts receivable
Recourse Factoring
Lower-cost option where you retain liability if customers fail to pay
Non-Recourse Factoring
The factor assumes the risk of non-payment, providing additional protection
Supply Chain Financing
Early payment solutions that strengthen relationships with suppliers
Business benefits
Accounts receivable financing provides numerous advantages beyond just improving cash flow.
Improve Cash Flow
Convert unpaid invoices into immediate working capital, eliminating the wait for customer payments.
Seize Growth Opportunities
Access capital quickly to take advantage of time-sensitive business opportunities without lengthy approval processes.
Reduce Financial Risk
With non-recourse factoring, transfer the risk of customer non-payment to the financing provider.
Focus on Core Business
Outsource collections to factoring specialists, allowing you to concentrate on running and growing your business.
Why it works
Financing built around how your receivables actually pay, so capital arrives when you need it.
- Access capital within days of invoice verification, so you never lose an order to a cash flow gap.
- 2–5 days
- Receive up to 90% of your invoice value upfront, with the balance paid when your customer settles.
- Up to 90%
- Fund growth without giving up equity or adding debt to your balance sheet.
- Non-dilutive
Do you qualify?
Accounts receivable financing is built around your invoices, not your credit score. Here's what you need to qualify.
No minimum FICO
Your credit score is not a barrier — approval is based on the strength of your receivables, not your personal FICO.
$500K+ annual sales
Businesses with at least $500,000 in yearly sales qualify for accounts receivable financing.
$100K+ B2B receivables
At least $100,000 in outstanding business-to-business receivables aged up to 90 days.
Ready to unlock your receivables?
Convert outstanding invoices into immediate working capital without waiting 30, 60, or 90 days.