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📄Invoice Factoring

Sell your outstanding invoices to a factoring company and receive 80–95% of the invoice value upfront. Stop waiting 30, 60, or 90 days for clients to pay.

$10K – $10M
Loan Amounts
Ongoing (invoice-by-invoice)
Terms
24 – 48 hours
Speed to Fund
No minimum
Min. Credit
✓ No Minimum Credit Score✓ $10K+ Monthly Deposits✓ 6+ Months in Business✓ No Hard Credit Pull✓ All Industries

Invoice Factoring

See What You Qualify For in 60 Seconds

Slide the calculator to see your estimated approval range. Then answer 3 quick questions. No documents needed. No credit impact.

✓Estimated range appears instantly
✓Auto-advances as you answer — no extra clicks
✓Soft credit pull only — your FICO stays untouched
✓Real specialist reviews your file within the hour
✓No obligation — see your options and decide
Estimate
Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$75K/mo$500K+

Estimated Approval Range

$75K – $113K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Your Deal Gets Shopped Across 70+ Lending Partners Including

BlueVineA Rated
KabbageA Rated
OnDeckA+ Rated
FundboxA Rated
Celtic BankA Rated
Cross RiverA Rated
Ready CapitalA Rated
SmartBizA Rated

+ additional SBA lenders, community banks, credit unions, and specialty finance companies

How It Works

How Invoice Factoring Work

You submit an unpaid invoice to the factoring company. They advance you 80–95% of the invoice value within 24–48 hours. When your client pays the invoice, the factor releases the remaining balance minus a small factoring fee (typically 1–3% per 30 days).

Best For

Ideal Use Cases for Invoice Factoring

✓Businesses with long receivables cycles (30–90 days)
✓Government or commercial contract holders
✓Trucking and freight companies
✓Staffing agencies and consulting firms
✓Construction companies waiting on draws

Full Transparency

Pros & Cons of Invoice Factoring

We believe in full transparency. Here's what you should know.

✅ Advantages

✓Based on your client’s creditworthiness, not yours
✓No minimum credit score required
✓Fast — funds in 24–48 hours
✓Scales with your revenue (more invoices = more funding)
✓No debt on your balance sheet

⚠️ Considerations

•Only works if you invoice other businesses (B2B)
•Factor fees can add up on slow-paying invoices
•Your clients will know you’re factoring (notification factoring)
Check If I Qualify — No Credit Impact →

Ready?

See What You Qualify For. No Credit Impact.

Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.

✓Estimated approval range appears instantly
✓Auto-advances — no extra buttons to click
✓Soft pull only — FICO untouched
✓70+ lenders compete for your deal
✓No obligation to accept any offer
Estimate
Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$75K/mo$500K+

Estimated Approval Range

$75K – $113K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

FAQs

Invoice Factoring FAQs

The Only Risk Is Not Knowing What's Available to You

60 seconds. No credit impact. No obligation.

Check My Rate →

No hard credit pull · Free to check · Nationwide

See What I Qualify For — 60 Sec →