Invoice Factoring
Turn unpaid invoices into immediate working capital — no waiting, no slowdowns.
Factoring allows your business to convert outstanding invoices into cash by selling them to a third party (the factor). Instead of waiting 30, 60, or 90+ days for clients to pay, you receive the majority of the invoice value upfront — giving you stronger cash flow, smoother operations, and the flexibility to meet your financial obligations on time. This is a smart solution for businesses that operate on net terms and want to stabilize cash flow without taking on debt.
What Determines Your Offer
- Creditworthiness of the invoice payer (your customer)
- Expected time until the invoice is paid
- Credit history
- Overall reliability of the accounts receivable history
Questions to Consider
- Are you currently factoring any invoices?
- Do you need immediate cash flow for operations, payroll, inventory, or growth?
Required Documents
- Sample invoice(s)
- Accounts receivable aging report
Good to Know
- We only factor business-to-business (B2B) invoices
- Factoring often becomes a residual relationship, providing ongoing support as receivables grow
- You get paid right away, eliminating long waiting periods and smoothing out cash flow cycles
How It Works
- An invoice represents payment owed for goods or services you’ve already delivered
- You sell the invoice to a factor, who advances most of its value upfront
- The remaining balance is released once the customer pays the invoice
- Ideal for businesses that need predictable, immediate funding against receivables