Working Capital / Invoice Factoring
Unlock cash tied up in unpaid invoices.
Working capital and invoice factoring let you convert unpaid customer invoices into immediate cash. Instead of waiting 30, 60, or 90 days for customers to pay, a factoring partner advances you a large percentage of the invoice value up front and the balance (minus a small fee) once the invoice is paid.
How It Works
1
Submit your outstanding invoices and basic business details.
2
A factoring partner verifies the invoices and your customers’ credit.
3
You receive an advance — typically 80–90% of the invoice value — within 24–48 hours.
4
When your customer pays the invoice, you receive the remaining balance minus the factoring fee.
Benefits
Immediate cash without taking on traditional debt
No new loan payments — you leverage assets you already own
Scales with your sales: more invoices mean more available funding
Fast, predictable access to working capital
Helps cover payroll, inventory, and operating costs
Pros
Fast cash from existing invoices
No long-term debt on your balance sheet
Flexible — grows with your receivables
Great for B2B businesses
Cons
Factoring fees reduce total invoice value
Best for businesses that invoice other businesses
Customers may pay the factor directly
Best For
B2B companies with outstanding invoices
Businesses with 30–90 day customer payment cycles
Staffing, transportation, and consulting firms
Companies needing steady cash flow between client payments
Eligibility
Business that invoices other businesses or government clients
Creditworthy customers with reliable payment histories
Minimum invoice volume (varies by partner)
Active business for 6+ months
Funding Timeline
1
Application
1 business day
2
Verification
Invoice review within 24 hours
3
Advance
80–90% funded within 48 hours
Why Choose This Solution
Access to multiple factoring partners for competitive rates
Maintain cash flow without taking on debt
Specialist guidance to structure the right facility
Questions
Frequently Asked Questions
Do my customers know I’m factoring?
In most setups, yes — the factor collects payment directly. Notification terms vary and are disclosed upfront.
What percentage do I receive up front?
Typically 80–90% of the invoice value, with the remainder paid once the invoice settles, minus a small fee.
Is this a loan?
No. Factoring is the sale of your invoices, not a loan, so it does not add debt to your balance sheet.