Stop waiting 90 days to get paid.
If your cash is trapped in unpaid invoices while bills keep coming, invoice factoring turns those receivables into immediate working capital. I match you with one vetted factoring partner suited to your industry and your customers — without selling your information around.
How factoring works
You sell (or borrow against) your outstanding invoices and receive most of the value up front — often 80–90% — with the balance, minus a fee, when your customer pays. It scales with your sales, so the more you invoice, the more capital you can unlock.
Factoring vs. financing
With factoring, the partner advances against invoices and may manage collections. With A/R financing, you borrow against receivables and keep control of collections. I'll help you choose based on your customers and how hands-on you want to be.
Great for
- Trucking, staffing, manufacturing, wholesale, and B2B services
- Businesses with creditworthy customers but slow payment terms
- Owners who want funding tied to sales, not a fixed loan
Common questions
How does invoice factoring work?
You submit eligible invoices, receive an upfront advance (often 80–90%), and get the remainder minus a small fee once your customer pays. It's tied to your receivables, not a fixed loan amount.
Is factoring a loan?
Not exactly — factoring is the sale of (or an advance against) your invoices, so it doesn't work like traditional debt. That's part of why it can be accessible even for newer businesses with strong customers.
Does my customer's credit matter more than mine?
Often, yes — because repayment comes from your customers paying their invoices, their creditworthiness weighs heavily. That can make factoring available when other products aren't.
What industries use it most?
Trucking, staffing, manufacturing, and B2B services are classic fits because of long payment terms. I'll match you to a partner that knows your space.
Let's get you to the right lender
Tell me a little about your business. If I have a vetted lender that fits, I'll make a single, direct introduction — usually within one business day. No broker pools, no resale of your information.