Stop waiting 30, 60, or 90 days for customers to pay. Sell your outstanding invoices to a factor and get up to 90% of the invoice value within 24 hours. The factor collects from your customer. You get predictable cash flow.
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A simple 3-step process that turns your receivables into working capital.
You deliver your goods or services and generate an invoice as usual. Instead of waiting for payment, you submit the invoice to the factoring company. Most factors accept invoices via email, portal upload, or API integration.
The factor verifies the invoice with your customer and advances you up to 90% of the invoice face value. Funds are wired to your business account, usually the same day or next business day.
Your customer pays the factor directly according to the original invoice terms. Once payment is received, the factor remits the remaining balance to you minus a small factoring fee. The factor handles all collections professionally.
Recourse factoring has lower fees but you buy back invoices if the customer doesn't pay. Non-recourse factoring protects you from customer non-payment but costs slightly more. We help you choose the right structure.
Not ready to factor every invoice? Spot factoring lets you choose which individual invoices to fund. No monthly minimums, no long-term contracts. Perfect for seasonal spikes or one-off large orders.
We work with factors that specialize in construction progress billing and government contract invoicing. These are typically harder to finance, but our partners understand the nuances.
Tell us about your customers and invoice volume. We will match you with the right factor.