Your invoices are already money. We just make them liquid.
Funding Team is a boutique commercial finance firm. We turn receivables, purchase orders and payables into working capital for small, mid-market and enterprise businesses — without the covenants, the committee, or the six-week wait.
- No obligation to apply
- No personal credit impact
- Facilities from $50K to $15M
Available today
$253,545
$593,050 of $825,000 facility drawn
- Funded
Meridian Logistics
$184,300
- Funded
Halcyon Manufacturing
$96,750
- In review
Nordwell Staffing
$312,000
Illustrative facility summary. Actual advance rates, fees and availability are set at underwriting.
Funding businesses across
What we do
Three ways to close the gap between work done and cash in
Every program is underwritten in-house, structured around your customers' credit, and built to grow as you do.
The cash flow gap
Payroll is due Friday. Your customer pays in 45 days.
That gap is the single most common reason profitable companies stall out. Banks solve it slowly and only for companies that don't really need it. We solve it in a day, priced on the credit of the customers who owe you.
Days, not quarters
Term sheet in 24 hours, facility live in under a week.
No covenants
No debt-service ratios to trip. No quarterly compliance drills.
Non-recourse available
We can carry the credit risk on approved customers.
Grows with revenue
Availability tracks your receivables, not last year's tax return.
A $200,000 invoice, funded
Day 0
You deliver and invoice
Day 1
Funding Team advances 90%
Day 45
Your customer pays the invoice
Day 46
Reserve released, less our fee
How it works
Four steps from application to wire
No committee. No relationship manager who has to check with someone else. One underwriter owns your file from the first call.
Tell us what you need
A five-minute application and an A/R aging is enough for us to start. No obligation, no impact on your personal credit to get a look.
Get a term sheet in 24 hours
A named underwriter reviews the file and returns advance rate, fee structure and facility size in writing.
Close in days, not quarters
Standard diligence and documentation. Most facilities fund within three to five business days of a signed term sheet.
Draw whenever you want
Submit invoices on your schedule. Approved batches wire same day, and your line grows as your sales do.
Why Funding Team
Boutique by design, institutional by capability
Small enough that a person reads your file. Large enough to fund the whole order.
A real underwriter, not a form
Every file is read by a person with authority to say yes. You get a name, a direct line and a decision — not a scoring model and an automated decline.
Priced on your credit, not a rate card
Advance rates and fees are built from your customer concentration, dilution history and industry. Strong files get strong pricing.
Structures banks won't build
Turnarounds, tax plans, DIP situations, sub-one-year operating histories and customer concentration above 50% are ordinary work here.
No hostage clauses
Month-to-month options, no minimum volume penalties on most programs, and termination terms in plain language on page one.
Funding that follows you up-market
Start at $50K and move through factoring, PO funding and VendorPay into a full working capital program without changing lenders.
Answers on the same business day
Complete files receive a term sheet within one business day. If the answer is no, you hear it fast and you hear why.
Since 2009
Sixteen years of funding the gap
Through two credit cycles, a pandemic and a freight recession, the answer has stayed the same: fund the receivable, price the risk honestly, and answer the same business day.
Questions
Straight answers, before you apply
If something here doesn't match your situation, call us. We would rather tell you no in five minutes than waste a week of yours.
Mon–Fri, 8am–7pm ET
Is factoring a loan?
No. Factoring is the sale of an asset — your invoice — at a discount. Because it is a sale rather than a borrowing, it does not add debt to your balance sheet and there is no fixed monthly payment.
How fast can we actually get funded?
A complete file receives a term sheet within one business day. Onboarding, including UCC filing and account setup, typically takes three to five business days. After that, approved invoice batches fund the same or next business day.
What does it cost?
Factoring starts at 1.5% per 30 days and PO funding at 2.5% per 30 days. Final pricing depends on your customers' credit, monthly volume, invoice size and dilution history. Every fee appears on the term sheet — there are no undisclosed lockbox, wire or monthly minimum charges.
Will my customers know?
For factoring, yes — invoices carry a notice of assignment and payments are directed to a lockbox. This is standard practice in most industries and is handled professionally. VendorPay and PO funding involve your suppliers rather than your customers.
We've been declined by a bank. Does that matter?
Rarely. We underwrite the credit quality of your customers and the strength of your receivables, not your time in business or your last two years of profitability. Startups, turnarounds and companies with tax plans in place regularly qualify.
Do we have to factor every invoice?
No. Most of our programs are selective, meaning you choose which customers and which invoices to fund. Some pricing tiers require whole-ledger participation, and we will say so clearly on the term sheet.
Find out what your receivables are worth
Send us an A/R aging and a few details. A named underwriter returns a term sheet within one business day — with no obligation and no hit to your personal credit.