Best for
- B2B businesses with net-30 / 60 / 90 terms
- Trucking carriers waiting on broker settlements
- Staffing agencies covering weekly payroll
- Government or Fortune 500 contract vendors
First Capital program · Independent placement
Turn unpaid B2B invoices into same-week working capital.
Factoring sells your outstanding invoices to a factor at a small discount. You get 80–95% of the invoice face value within 24–48 hours; when your customer pays, the reserve is released to you minus a factor fee. Underwriting is based primarily on the strength of your customers, not your credit — ideal for growing B2B, staffing, trucking, and government-contract businesses waiting on 30/60/90-day terms.
Fit and review
Placement process
Share the receivables aging, customer mix, and sample invoices.
A factor reviews the customers, invoices, contracts, and lien position.
The provider sets eligible invoices, advance terms, fees, and verification procedures.
Approved invoices are handled under the executed factoring agreement.
From the Answer Center
Start with the request. A First Capital advisor will review the information and help identify potential options from independent third-party providers.