Business Line of Credit
A revolving pool of capital you draw from again and again — pay interest only on what you use.
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Unlock earned cash
Invoice Factoring
Sell your unpaid invoices and get up to 90% of their value upfront — stop letting Net-30/60/90 strangle cash flow.
Amount rangeUp to 90% advance
Typical termNet 30–90
Funding speed1–2 days
What it is
A closer look at the Invoice Factoring
If your business invoices other businesses and then waits 30, 60, or 90 days to get paid, invoice factoring puts that earned money to work now. You sell your outstanding invoices to us at a small discount and receive up to 90% of their face value within a day or two. When your customer pays, we release the remaining balance, less a transparent factoring fee.
Because the funding is tied to invoices you have already earned, it scales automatically — the more you bill, the more cash you can unlock. And since approval leans on your customers creditworthiness, factoring is often available to newer businesses that would not yet qualify for a traditional loan.
Funding rangeUp to 90% advance
Best for
Is the Invoice Factoring right for you?
This product tends to be the strongest fit when one of these sounds like your situation.
- B2B businesses with terms. Any company that bills other businesses on Net-30, 60, or 90.
- Rapidly growing companies. Fund the next big order before the last one has even paid.
- Staffing and trucking firms. Cover payroll or fuel between client settlements.
- Thin-credit businesses. Qualify on your customers credit rather than only your own.
How it works
From application to funding
01 Step 1
Submit your invoices
Send us the outstanding invoices you would like to factor through your dashboard.
02 Step 2
Get your advance
Receive up to 90% of their value, typically within 1 to 2 business days.
03 Step 3
Your customer pays us
We handle collection on the schedule already on the invoice.
04 Step 4
Receive the remainder
Once paid, we release the held balance minus a clear factoring fee.
Eligibility
What you need to qualify
Our requirements are refreshingly simple. Most businesses that meet these baselines are a strong candidate.
- 6+ months in business. A short operating history is enough to get started.
- $15,000+ in monthly revenue. Consistent revenue matters more than perfection.
- 500+ credit score. We look at the whole picture, not just one number.
Checking your options is free and uses a soft inquiry that does not affect your credit score.
Rates & terms
The details
| Detail | Invoice Factoring |
|---|---|
| Advance rate | Up to 90% of invoice face value upfront |
| Factoring fee | Typically 1% to 3% per invoice, depending on terms and volume |
| Invoice terms | Designed for Net-30 to Net-90 receivables |
| Eligibility basis | Weighted toward your customers credit, not only yours |
| Funding speed | Advance in 1 to 2 business days |
Figures are illustrative and for demonstration only. Actual rates, fees, and terms depend on underwriting and your business profile. Not an offer of credit.
Why owners choose it
The benefits at a glance
Scales with your sales
Funding grows automatically as you invoice more — no fixed ceiling holding you back.
Approval on their credit
We weigh your customers ability to pay, so newer businesses can qualify.
Not a loan on your books
Factoring is the sale of an asset, so it does not add traditional debt.
Collections support included
Optional, professional follow-up on outstanding invoices saves you the chase.
Industries that lean on it
Popular with these businesses
See how the Invoice Factoring fits the way your industry actually runs.
Questions
Invoice Factoring FAQ
No. You are selling an asset — your receivable — at a small discount, so it does not appear as debt the way a traditional loan does.
Typically up to 90% of the invoice face value within a day or two, with the rest released (minus the fee) once your customer pays.
In most arrangements, yes — payments are remitted to us. We handle this professionally and courteously to protect your relationships.
Our optional collections support follows up on your behalf. Terms vary by agreement, and your advisor will walk you through how late payments are handled.
Related funding
Other products to consider
Many owners blend two products for the perfect fit. Here are the ones most often paired with this one.
Ready for a invoice factoring?
Apply in five minutes with no impact to your credit score, and talk to a real advisor today.