Turn invoices into cash

Invoice Factoring

Advance cash against your unpaid B2B invoices instead of waiting 30–90 days.

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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.

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
See my real options →

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

See what you qualify for today.

One application, every option compared. No fee, no obligation, no credit impact.