What to expect
A way to unlock cash tied up in unpaid invoices so long payment cycles don't stall your operations. Your advisor helps you weigh it against other options.
Terms, rates, and eligibility vary by lender and are reviewed one-on-one with your funding advisor.
What is Accounts Receivable Financing?
Accounts receivable financing (also called invoice financing or factoring) advances you cash against invoices your customers haven't paid yet. Instead of waiting on payment, you get value now and keep your operations moving.
It's especially useful for businesses with strong customers but long payment cycles — trucking, staffing, manufacturing, and B2B services. Your advisor helps you weigh factoring against a line of credit so you pick the path that fits.
Key benefits
- Unlock cash tied up in unpaid invoices
- Approval leans on your customers' credit, not only yours
- Scales with your sales as you grow
- Bridges long payment cycles without adding a traditional loan
Eligibility
Basic requirements
- B2B or B2G invoices to creditworthy customers
- Invoices for completed work or delivered goods
- Active business bank account
- Aging / receivables report available
- Time in business (varies by lender)
How It Works
Getting funded, step by step.
Apply
Tell us about your business in a short form — it only takes a few minutes.
Discovery Call
You work one-on-one with a funding advisor who learns your goals and maps your options.
Get Matched
Your advisor shops your file across 80+ financial institutions for the strongest offers.
Get Funded
Review your options, choose what fits, and move forward with your advisor.
Accounts Receivable Financing questions
Not exactly. You're advancing cash against invoices you've already earned, so approval depends heavily on your customers' ability to pay rather than only on your own credit.
It depends on the structure — some arrangements are confidential and others aren't. Your advisor will explain the options before anything is set up.
That varies by lender and the quality of the receivables. Your advisor will walk you through what a given option looks like for your business.
Submit a short inquiry and your funding advisor reaches out to review your receivables and map your options.
Ready to find your funding fit?
Start with a short form. You'll work one-on-one with a funding advisor who shops 80+ institutions for your best fit.