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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.

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.

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.

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.

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.