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Turn your unpaid invoices into cash.
Grow on your own terms. Our leading global platform will help convert your invoices into cash, so you are not waiting on customers to pay.
- Cash from your invoicesTurn invoices into cash instead of waiting on customers to pay.
- Advance up frontYou receive an advance now and the balance when your customer pays.
- Your customers’ credit countsApproval weighs how reliably your customers pay, not only your own file.
- We listen firstEvery business is different. We listen carefully to each owner before we make an offer.
From application to cash in three simple steps.
Apply, send your invoices, and get an advance up front.
Share the basics
A short application and details on the invoices you want to turn into cash. Your advisor handles everything from there.
We review your file
Our capital formation experts review your file, including how reliably your customers pay. We listen first, then set the amount and terms with you.
Get paid on your invoices
Once approved, you receive an advance on your invoices. When your customer pays, you receive the balance.
What is invoice factoring?
Invoice factoring turns unpaid customer invoices into cash. Instead of waiting on customers to pay, you sell your invoices and receive an advance now.
When your customer pays the invoice, you receive the remaining balance, minus the cost of the service.
Approval leans on your customers’ credit more than your own, because they are the ones who pay. Invoice history, how reliably customers pay and how much of your billing comes from one customer all matter.
Our factoring is with recourse, which means you replace or buy back an invoice your customer never pays. Our capital formation experts explain how recourse works before you sign.
AR / Invoice Factoring
- Secured byYour unpaid invoices
- AdvancePaid up front
- BalanceWhen your customer pays
- ApprovalWeighs customer credit
- Common usesCash flow, payroll, growth
Built for businesses that bill on invoice.
Slow payers, payroll, bigger orders, and dependable commercial customers.
- Slow payment termsGet cash now instead of waiting weeks for customers to pay.
- Payroll and suppliersCover the bills that come due before your invoices do.
- Growth and bigger ordersTake on more work without waiting for the last jobs to clear.
- Reliable commercial customersCustomers who pay dependably strengthen your file.
It’s a good fit if
- You bill other businesses on invoice and wait on payment.
- Your customers pay reliably, even if slowly.
- You want cash from sales you have already made.
Look at another option if
- You want flexible funds that are not tied to invoices. See Business Lines of Credit.
- You want larger capital secured by equipment, property or inventory. See Asset-Based Loans.
- You need a lump sum that does not depend on invoices. See Working Capital Advance.
Invoice factoring FAQs.
The basics, answered honestly. For anything specific to your business or timing, an advisor is one call away.
How does invoice factoring work?
You sell your unpaid invoices and receive an advance now. When your customer pays, you receive the remaining balance minus the cost of the service.
How much can I get?
It depends on the invoices you want to turn into cash and on your customers. An advisor can tell you after a short call about your invoices.
How fast can I get cash?
Speed depends on your invoices and how quickly documents come back. An advisor can give you a timeline after a short call.
What is recourse?
Recourse means you replace or buy back an invoice your customer never pays. Our factoring is with recourse, and we explain how it works for you before you sign.
What does factoring cost?
You pay for the service on the invoices you sell. Your advisor goes over the full cost with you before you sign anything.
Do I qualify?
Approval weighs your customers’ credit and payment history as well as your own business. We look at the whole picture, not one factor alone. The fastest way to know is a short call with an advisor.
What do I need to apply?
The application and details on the invoices you want to turn into cash. Your advisor may ask for more before an offer is final, and tells you exactly what and why before you send anything.
Your invoices are waiting. Let’s turn them into cash.
Tell an advisor about the invoices you’re waiting on and who owes them.
