Turn invoices into cash
Invoice Factoring
Advance cash against your unpaid B2B invoices instead of waiting 30–90 days.
Invoice factoring advances most of an unpaid invoice's value now, so you don't wait on slow-paying customers. It scales with your receivables and leans on your customers' credit, not just yours.
Read the complete guide →Best for
- B2B businesses that invoice customers
- Companies with slow-paying clients
- Owners who need cash tied up in receivables
Common uses
- Bridging payment terms
- Funding payroll between invoices
- Taking on larger contracts
What you'll need
- B2B invoices to creditworthy customers
- Ongoing receivables
At a glance
- Advance
- Typically 80–90% of invoice
- Based on
- Your customers' credit
- Scales with
- Your receivables
Invoice Factoring: which structure?
A few ways this is commonly structured. Your advisor helps you pick the right one.
You buy back invoices your customers don't pay. Lower fees in exchange for carrying that risk.
Best for: Reliable, creditworthy customers and the lowest cost.
Estimate your invoice factoring
Move the sliders to explore. These are illustrative figures, not an offer.
Cash advanced now
$42,500
- Held in reserve
- $7,500
- Estimated factor fee
- $3,000
- Net proceeds after fee
- $47,000
Illustrative estimate, not an offer of credit. Your advisor confirms your real rate and terms.
Invoice Factoring questions
Is factoring a loan?
Not exactly — you're advancing cash against invoices you've already issued. It often works for businesses that don't qualify for traditional loans.
Who needs to have good credit?
Primarily your customers, since they pay the invoices. That makes factoring accessible to newer businesses with strong clients.
Indicative estimate based on your inputs — not an offer of credit. A specialist confirms exact products, amounts, and terms.
Other financing options
Business Term Loans
A straightforward lump sum repaid over a set term — flexible for almost any purpose.
Learn more →Working Capital Loans
Straightforward funding for payroll, inventory, and the everyday costs of running your business.
Learn more →Business Line of Credit
Revolving access to capital you draw and repay as cash flow requires.
Learn more →
See what you qualify for today.
One application, every option compared. No fee, no obligation, no credit impact.