A/R Factoring
Get paid the day you invoice
Accounts receivable factoring converts invoices from creditworthy customers into working capital in as little as 24 hours — without adding debt to your balance sheet.
- Facility size
- $50K – $10M
- Advance rate
- Up to 90%
- Rates from
- 1.5% / 30 days
- Funding speed
- 24 hours
Why it works
What A/R Factoring does for your balance sheet
Sell your outstanding invoices at a discount and stop waiting 30, 60 or 90 days to get paid. Your line grows automatically as your sales grow.
It is not a loan
Factoring is the sale of an asset you already own. No new debt appears on your balance sheet and no fixed monthly payment appears in your budget.
Your line scales with sales
Availability is tied to your receivables, not to a static credit box. Double your invoicing and your available capital doubles with it.
We underwrite your customers
Approval rests on the credit quality of the companies that owe you — so young, fast-growing and previously declined businesses regularly qualify.
Collections handled for you
Optional non-recourse programs and professional A/R management remove the credit risk and the follow-up calls from your plate.
Step by step
How the money actually moves
- 01
Apply
Send an A/R aging, a sample invoice and basic company details. No tax returns required to get a first look.
- 02
Get a term sheet
We return advance rate, fee and facility size — typically within one business day of a complete file.
- 03
Onboard
Standard due diligence, UCC filing and account setup. Most facilities go live in three to five business days.
- 04
Fund on demand
Upload invoices whenever you choose. Approved batches wire the same or next business day.
A good fit if
- You invoice other businesses or government agencies on net terms
- Payroll or materials are due before your customers pay
- Growth is outrunning what your bank line will support
- A bank declined you on time in business, losses or leverage
What we need to say yes
- B2B or B2G invoices for work already delivered
- Creditworthy commercial customers
- No unresolved tax liens or senior liens on receivables (subordinations welcome)
- $25K+ in monthly invoicing
Ready to price a A/R Factoring facility?
Apply online in about five minutes. A named underwriter reviews the file personally and returns terms within one business day.