Turn unpaid B2B invoices into same-day cash. Up to 90% advance, funded fast, customer credit drives the deal — not yours. Recourse and non-recourse options. Spot a single invoice or run your whole AR ledger through us.
Factoring isn't borrowing. You're selling unpaid B2B invoices to us at a small discount in exchange for immediate cash. Your customers pay us when the invoice is due (NET-30, NET-60, NET-90 — whatever your terms are). We send you the remaining balance minus our fee. Because it's the sale of an asset and not debt, factoring stays off your balance sheet and doesn't show on your business or personal credit.
Factoring is the standard cash-flow tool for businesses where customers pay 30, 60, 90 days out. Six common categories.
Nurses, IT contractors, drivers, security. Weekly payroll, monthly client billing. Factoring closes the gap.
Brokers paying NET-30/45/60. Fuel cards waiting on settlement. Get paid the day the load delivers.
Prime and sub work paid 30–90 days out. Don't slow your bid pipeline waiting on a Treasury wire.
Retailers and B2B buyers paying terms. Re-stock, re-order, re-bid without waiting on receipts.
Buyers paying NET-60. Suppliers due NET-15. Factoring bridges the spread without taking on debt.
Agencies, consultancies, IT firms billing enterprise on long terms. Stop financing your clients out of your reserves.
Send us the unpaid invoice (or batch of invoices). We verify the customer, the work, and the terms. Most invoices clear verification in hours, not days.
Up to 90% of face value wired to your account same-day. The remaining 10–30% (the reserve) is held until your customer pays the invoice in full.
When the customer pays the invoice on its due date, we release the reserve to you minus our discount fee. Cycle repeats with the next invoice.
Factoring pricing is simple: an advance rate (how much you get up front), a discount rate (the fee), and a recourse choice. That's it.
Factoring qualification is mostly about your customers' creditworthiness, not yours. That makes it accessible for businesses that wouldn't qualify for a traditional loan.
Two-minute application. Customer credit drives qualification. Funded same-day after approval.
Factor invoices →