Accounts Receivable Financing

Turn Invoices Into Immediate Cash

Stop waiting 30, 60, or 90 days for customers to pay — unlock your receivables today.

Up to 90%
Advance Rate on AR
1–5% Fee
Factoring Fee
30–90 Day
Invoice Advance
1–2 Weeks
Funding Speed
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Product Overview

What is Accounts Receivable Financing?

Accounts receivable financing converts your outstanding invoices into immediate working capital. Rather than waiting for customers to pay, you sell or pledge your receivables to a lender for an advance of up to 90% of the invoice value. When your customer pays, you receive the remainder minus a small fee. Ideal for B2B businesses with reliable customers but slow payment cycles.

Unlike a traditional loan, AR financing scales with your revenue — the more invoices you generate, the more capital you can access. This makes it one of the most flexible funding tools available to growing service businesses, staffing companies, and manufacturers.

Key Benefits

  • ✓Convert outstanding invoices to immediate cash
  • ✓No new debt added to your balance sheet
  • ✓Approval based on your customers' creditworthiness
  • ✓Funding scales automatically as your revenue grows
Who Qualifies

Requirements

Meet these basic qualifications to get started. Don't meet every requirement? Our advisors can help find alternatives.

🏢
B2B invoices from creditworthy customers
📅
Minimum 6 months in business
🔓
Invoices free of liens or encumbrances
✅
No major tax liens
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Documented invoice aging schedule
How It Works

How to Apply

1

Quick Application

Share your invoice aging report and top customer details. We assess your receivable quality quickly.

2

Discovery Call

An advisor reviews your AR structure, customer mix, and determines the right advance rate and fee structure.

3

Get Matched

We match you with the right AR financing partner and manage the setup process end-to-end.

4

Get Funded

Submit invoices and receive advances within 24–48 hours. Capital grows as your invoice volume grows.

Common Questions

Frequently Asked Questions

Accounts receivable financing uses your invoices as collateral for a loan or line of credit — your customers still pay you directly. Factoring involves selling your invoices outright to a third party who collects payment from your customers. AR financing is less disruptive to customer relationships; factoring typically provides higher advance rates and removes collection responsibility from you.
With non-notification AR financing, your customers pay you as usual and don't need to know about the arrangement. With factoring, customers are typically notified to remit payments to the factor. We help you choose the structure that best fits your relationships and business model. Most clients prefer the non-notification arrangement to protect existing customer relationships.
Eligible invoices are B2B receivables from creditworthy commercial customers for completed services or delivered goods. Invoices must be undisputed, free of liens, and within standard net terms (net-30 to net-90). Government and healthcare receivables often have specialty programs available. Consumer invoices (B2C) generally do not qualify for commercial AR financing programs.
Once your AR financing facility is established — typically 1-2 weeks for initial underwriting — you can receive advances within 24-48 hours of submitting verified invoices. After setup, the process is routine and fast. Most clients experience same-week funding on invoice submissions throughout the life of the facility.