Turn Your Invoices Into Immediate Cash
Don't wait 30, 60, or 90 days for customers to pay. Get cash from your outstanding invoices in as little as 24 hours. No debt, no waiting.
Get Invoice FundingWhat Is Invoice Financing?
Invoice financing lets you borrow against your outstanding invoices. When you send an invoice to a customer, you can get up to 90% of that value immediately, rather than waiting for payment.
The financing company advances you the cash and then collects the full amount from your customer when it's due. Once your customer pays, you receive the remaining minus a small fee.
This is different from a loan because you're borrowing against an asset you already own (your invoices). It doesn't show as debt on your balance sheet and doesn't require a credit check.
How the Math Works
* Example only. Actual rates and terms vary.
Invoice Financing vs. Factoring
Invoice Financing
You keep control of your invoices and collect from customers yourself. The lender advances you cash using your invoices as collateral.
- ✓You maintain customer relationships
- ✓Customers don't know about the financing
- ✓You collect payments directly
Factoring
You sell your invoices to the factoring company. They take over collection and pay you the remaining balance after their fee.
- ✓No collection responsibility
- ✓Offload credit risk to factor
- ✓Faster, simpler process
Who Qualifies
- B2B business with commercial clients
- 6+ months in business
- $10,000+ in monthly revenue
- Invoices with net-30, net-60, or net-90 terms
- U.S.-based business
- Customers with established credit
Best For
- B2B companies with slow-paying customers
- Businesses needing cash for payroll or inventory
- Companies waiting on large client payments
- Growth-stage businesses needing working capital
- Contractors waiting on project completion payments
- Manufacturers with long supply chains
Common Questions
Will my customers know I'm using invoice financing?
With invoice financing (not factoring), your customers typically won't know. You maintain control of your invoices and collect payments as usual. Only with factoring does the factor company take over collections.
How long does approval take?
Most approvals come back within 24 to 48 hours after submitting your invoices and business documentation. Once approved, you can submit invoices for immediate cash advances.
What if my customer doesn't pay?
With invoice financing, you're responsible if your customer doesn't pay. With factoring, the factoring company takes on the credit risk. We can discuss which option makes sense for your business.
How much does invoice financing cost?
Fees typically range from 1% to 3% of the invoice value, depending on your business volume, customer creditworthiness, and invoice terms. The faster your customers pay, the lower your effective cost.
Can I finance all my invoices?
Most businesses finance anywhere from 50% to 90% of their eligible invoices. The exact percentage depends on your customers' payment history and your overall business health.
Ready to Get Cash From Your Invoices?
Apply in 5 minutes. Funding in 24-48 hours. No credit check required.
Apply for Invoice Financing