01
Immediate Cash
Get up to 90% of your invoice value within 24 hours. Don't wait weeks or months.
Invoice Financing
Turn your outstanding invoices into immediate working capital. Stop waiting 30, 60, or 90 days for your customers to pay and put the money you have already earned to work today.
- Advances of up to 90% of invoice value
- Funding in as little as 24 hours
- Approval based on your customers' credit
What You Need to Qualify
$30,000+
Minimum Monthly Revenue
6+ months
Established Business History
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score
From Unpaid Invoice to Cash in Hand
01
Tell Us About Your Receivables
Share basic business details and a summary of your open B2B invoices. We look closely at who owes you, not just your own credit history.
02
Submit Your Invoices
Pick the individual invoices you want to finance, or finance your entire receivables portfolio. Net 30 to Net 90 invoices to commercial customers typically qualify.
03
Receive Your Advance
We advance up to 90% of the invoice value, often within 24 hours. Use it for payroll, materials, or your next contract.
04
Customer Pays, You Get the Rest
When your customer pays the invoice, you receive the remaining balance minus our fee. No fixed monthly payment schedule to manage.
Turn Outstanding Invoices Into Working Capital
What Is Invoice Financing?
Invoice financing lets you borrow against money your business customers already owe you. Instead of waiting on Net 30, 60, or 90 terms, you get most of the invoice value now.
Here is how it works: you submit unpaid invoices issued to creditworthy commercial customers. We advance up to 90% of their value right away. When your customer pays, the advance is settled and you receive the remaining balance minus our fee. Because the invoice itself backs the funding, approval leans heavily on your customers' payment history rather than on your own credit profile.
Invoice Financing Details
Your funding scales with your receivables. The more B2B invoices you issue to reliable customers, the more working capital you can unlock. Repayment happens when your customers pay, not on a fixed monthly schedule.
Pricing depends on invoice size, payment terms, and your customers' creditworthiness. Your fee is deducted from the remaining balance once the invoice is paid.
- Loan Amounts
- Up to 90% of invoice value
- Rates
- Fee deducted when your customer pays
- Terms
- Net 30 to 90 invoices
- Speed
- Same day to 48 hours
Businesses That Benefit From Invoice Financing
Invoice financing works best for companies that bill other businesses on payment terms and need cash before those customers pay.
- Staffing AgenciesPayroll goes out every week while clients pay on Net 30 to 60 terms. Invoice financing bridges the gap so your team always gets paid on time.
- Trucking and FreightFuel, drivers, and maintenance cannot wait for brokers to pay. Turn delivered loads into cash and keep trucks moving.
- Manufacturing and DistributionLarge customers demand long payment terms. Fund the next production run as soon as an order ships instead of waiting on Net 60 or Net 90.
- Construction ContractorsMaterials and crews are paid up front while pay applications take months to clear. Unlock approved invoices to keep projects on schedule.
- IT and Professional ServicesProject work is billed after delivery. Finance outstanding client invoices so your team can start the next engagement without a cash crunch.
- Healthcare ProvidersInsurance claims can take weeks or months to pay. Turn clean, filed claims and receivables into capital for staff and supplies.
How Credit Factors Into Invoice Financing
Invoice financing places less weight on your personal credit than a traditional loan. Because your customers' payments settle the advance, their creditworthiness is the primary qualification factor.
- Your customers' credit and payment history carry the most weight
- Invoices must be for completed work or delivered goods
- B2B invoices to commercial customers typically qualify
- A clean, organized receivables aging report speeds approval
Good news
Business owners with limited or challenged credit can still qualify when they invoice creditworthy commercial customers. Who owes you matters more than your own score.
Strong Customer Credit
Higher advance rates and better pricing
760Score
Mixed Customer Credit
Selected invoices may still qualify, often at lower advance rates
502Score
Invoice Financing at a Glance
Up to 90%
of your invoice value can be advanced up front, with the balance, minus our fee, paid when your customer settles the invoice.
Net 30-90
payment terms are common in B2B billing. Invoice financing turns that waiting period into available working capital.
24 hrs
is how quickly funding can arrive once your invoices are verified, instead of the weeks or months your customers take to pay.
Evaluating Invoice Financing
Pros
- Access cash you have already earned without waiting on payment terms
- Approval based largely on your customers' creditworthiness
- Funding grows as your sales and receivables grow
- Repaid when your customers pay, with no fixed monthly payment
- Finance a single invoice or your whole receivables portfolio
- Non-notification options can keep our involvement private
Cons
- Only works for businesses that invoice other businesses
- Fees reduce the total amount you collect on each invoice
- Slow-paying or low-credit customers can limit what qualifies
- Consumer invoices and some industries may have restrictions
Invoice Financing vs Other Funding Options
| Loan Type | Max Amount | Rates | Speed |
|---|---|---|---|
| Invoice Financing | Up to 90% of invoice | Fee when customer pays | Same day to 48 hrs |
| Merchant Cash Advance | $10K to $5M | Factor 1.1 to 1.5 | Same day to 48 hrs |
| Working Capital Loan | $25K to $5M | 1% to 4% monthly | 24 to 48 hours |
| Business Line of Credit | $25K to $5M | 1% to 3% monthly | 1 to 3 days |
| Revenue Based Financing | $10K to $5M | 1% to 6% monthly | 1 to 2 days |
Invoice Financing Qualification Requirements
- Invoices to Commercial Customers
- B2B
- Invoice Payment Terms
- Net 30-90
- Customers Who Pay Reliably
- Creditworthy
Get Your Invoices Funded
The application focuses on your receivables and the customers behind them. Many businesses are funded within 24 hours.
Apply for Invoice FinancingStep 1: Submit Application
Provide basic business information and tell us about your open invoices and the customers you bill.
Step 2: Share Your Receivables
Upload the invoices you want to finance along with your accounts receivable aging report so we can verify them.
Step 3: Review and Get Funded
Review your offer showing the advance amount and fee, accept, and receive funds. The balance follows when your customer pays.
Similar Funding Products
If invoice financing is not the right fit, these alternatives might work better for your situation.
Invoice Financing by Industry
These industries commonly use invoice financing to bridge the gap between billing and payment.
FAQs
Invoice Financing Questions
You submit invoices to us and we advance up to 90% of the value immediately. When your customer pays, you receive the remaining balance minus our fee.
With financing, you retain control and collection responsibility. With factoring, we may handle collections. Both turn invoices into immediate cash.
B2B invoices to creditworthy commercial customers typically qualify. Consumer invoices and some industries may have restrictions.
It depends on the structure. Non-notification financing keeps our involvement private. Full factoring may involve your customer paying us directly.
Your own credit matters less than with a traditional loan. Approval is weighted heavily on your customers' creditworthiness and payment history, since their payments settle the advance.
Once your invoices are verified, funding often arrives within 24 hours, and same-day funding is sometimes available.
No. You can finance individual invoices when you need cash or finance your entire receivables portfolio for ongoing working capital.
The advance is settled from the payment and you receive the remaining invoice balance minus our fee. There is no separate monthly loan payment to make.
Unlock Your Invoice Value Today
Find out how much of your receivables you can turn into cash. Our team works with B2B businesses of all sizes to put earned revenue to work sooner.
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score