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.
Advance Rate
80% – 95% of Invoice
Factor Fee
1% – 5% / 30 Days
Funding Time
24 – 48 Hours
Facility Size
$25k – $10M+
Underwriting
Customer credit-based
Credit Minimum
No FICO floor
01
Submit an application, AR aging report, and sample invoices.
02
Factor verifies your customers' credit and confirms invoice validity.
03
Approved facility is set; you upload invoices as they're generated.
04
80–95% of face value wired within 24–48 hours; reserve released on customer payment.
Published research and industry data on how invoice factoring help U.S. businesses grow.
$4.03 Trillion
Global factoring and receivables finance volume in 2024 — one of the largest and oldest categories of commercial finance worldwide.
Source: FCI Annual Review, 2024
$150+ Billion
Estimated annual U.S. factoring volume, with trucking, staffing, and manufacturing driving the majority of receivables purchases.
Source: International Factoring Association (IFA)
76%
Of small businesses report cash flow problems tied to late customer payments — factoring converts those receivables into immediate working capital.
Source: Federal Reserve Small Business Credit Survey
Professional Services
Staffing agency
$500k factoring line covers weekly payroll while Fortune 500 clients pay on net-60 terms. Agency scaled headcount 3x in 14 months without touching a bank loan.
Trucking
Freight carrier
Factors broker invoices at 95% advance the day loads deliver. Same-day fuel money kept the fleet running while quarterly revenue grew 58%.
Composite outcomes based on client engagements; individual results vary.
One application, one desk. A funding advisor will review your file and return offers tailored to your business.