You did the work. The invoice says net-60. Payroll says Friday. Factoring advances up to 95% of your receivables within 24 hours — no new debt, no waiting on slow-paying clients.
Up to 95% advance ratesNot a loan — no debt addedYour clients’ credit, not yours
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At a Glance
Factoring, at a glance
The cash-flow fix for B2B businesses whose money is always “coming” — built on your receivables, not your credit.
Advance rateUp to 95%Of invoice face value, upfront
Speed24 hrsOn approved invoices
Balance sheetDebt-freeA sale of receivables, not a loan
Approval basisYour clientsTheir credit strength, not yours
B2B cash flowNet-60 becomes net-now
What It Is
Sell the wait, keep the work
Factoring converts unpaid invoices into immediate cash. You deliver the work, submit the invoice, and receive up to 95% of its value within a day. When your client pays on their normal schedule, you receive the remainder minus a small factoring fee.
Because the transaction is a sale of the receivable — not a loan — nothing lands on your balance sheet as debt, and approval hinges on your clients’ ability to pay rather than your credit score. Startups and past-credit-challenged businesses factor every day.
Factoring shines wherever strong clients pay slowly: freight, staffing, construction subs, manufacturers, wholesalers, service agencies. If your clients are creditworthy companies or government entities, your invoices are fundable — almost regardless of your own credit story.
Typically 1–4% of invoice value depending on your volume, your clients’ credit and how long they take to pay. Compare that to the cost of turning down work, missing payroll or chasing collections yourself — for most B2B businesses the math is decisively positive.
In standard factoring, yes — payments route to a lockbox, handled professionally and courteously. Factoring is utterly routine in freight, staffing and construction; your clients’ own vendors likely factor too. Non-notification options exist for qualifying businesses.
Depends on structure: non-recourse factoring shifts qualifying credit risk to the factor; recourse factoring costs less but leaves risk with you. We’ll price both and recommend based on your payer mix.
On most of our programs, no — spot factoring lets you accelerate only the invoices you choose, when you choose. Some high-advance facilities ask for full ledgers; your specialist will match the structure to how you want to operate.
Very likely yes — that’s the beauty of the product. Approval rests on your clients’ creditworthiness and invoice validity. We regularly set up facilities for first-year businesses and owners rebuilding credit.
Factoring sells the receivable; financing borrows against it. Factoring includes collections handling and payer vetting; financing keeps everything in your name as debt. We offer both and will show you the cost and workflow difference side by side.
