Turn unpaid invoices into immediate working capital. Get funded quickly and keep your business moving without waiting 30 to 90 days for customer payments.
Access cash tied up in your receivables and use it to cover payroll, expenses, and growth opportunities. Our team will guide you through the best structure for your business.
Fast Cash
Funding in as little as 24 hours after approval.
Flexible Rates
Rates vary based on your business, invoices, and customers. Get a tailored structure, not a generic quote.
Simple Approval Process
One page application. Fast review. No unnecessary delays.
Scales With Your Business
Funding grows with your invoice volume, from $25K to $10M+.
We Handle Collections
Reduce administrative burden. Focus on running your business.
Invoice factoring allows you to turn unpaid invoices into immediate cash instead of waiting for your customers to pay.
Rather than slowing down your operations due to delayed payments, you can access working capital quickly and keep your business running smoothly.
This works especially well for businesses that need consistent cash flow to cover payroll, inventory, rent, or day to day expenses.
If slow paying customers are holding you back, factoring helps stabilize your cash flow and gives you the flexibility to grow.
01
Submit Invoices
Send your outstanding invoices for review.
02
Get an Advance
Receive up to 80% to 95% of the invoice value upfront.
03
Customer Pays Invoice
Your customer pays according to agreed terms.
04
Receive Remaining Balance
You get the remaining balance, minus fees.
Invoice factoring rates are not one size fits all. Pricing depends on several variables, including:
Industry
Customer credit quality
Invoice aging
Monthly volume
Advance rate
Contract structure
Because of these factors, online calculators can often produce misleading estimates.
For an accurate breakdown tailored to your business, it is best to speak directly with an advisor.
Factoring companies purchase your invoices at a discount and advance a portion of the value upfront.
Typically, businesses receive between 80% and 95% of the invoice amount immediately. Once your customer pays, the remaining balance is released, minus the factoring fee.
Example:
If you factor a $10,000 invoice at a 2% rate, you may receive around $9,800 after fees.
Discount Rate
The primary cost, usually between 1% and 5%, depending on risk and timing.
Advance Rate
The percentage of the invoice paid upfront, typically 80% to 95%.
Additional Fees
May include wire fees, service fees, or due diligence costs depending on the structure.
Approval Speed
Factoring is faster, banks require longer approval and more documentation.
Collateral
Factoring uses your invoices, banks often require hard collateral.
Flexibility
Factoring adjusts with your revenue, loans have fixed repayment terms.
Cost Structure
Factoring uses a fee model, loans use interest and fixed payments.
Step 1
Determine total invoice amount
Step 2
Apply discount rate
Step 3
Include additional fees
Step 4
Calculate advance amount
Step 5
Determine net proceeds after fees
Factoring is not just about accessing cash, it is about improving your business operations.
Increase cash flow to take on more work
Avoid missed opportunities due to lack of capital
Reduce administrative workload
Lower risk of non payment in some structures
Focus on growing your business
Every factoring deal is different. Rates, terms, and structure depend on your business and your customers.
Speak with one of our dedicated advisors to get a clear breakdown of your options and determine if factoring is the right fit.
