Turn 30 to 90-Day Invoices into Immediate Cash Flow
Waiting 30, 60, or up to 90 days for your customers to pay invoices is one of the biggest hurdles to business growth. You’ve done the work, delivered the goods, and incurred the expenses—yet your cash is locked up in accounts receivable.
If your cash flow is strained by extended credit terms, invoice factoring provides a reliable, flexible solution to bridge the gap and keep your business moving forward.
What is Invoice Factoring?
Invoice factoring—also known as accounts receivable factoring—is a financial practice where a business sells its unpaid invoices to a commercial factoring company. Instead of waiting months for your customers to clear their balances, you receive up to 95% of the invoice value upfront within 24 to 48 hours. Once your customer pays the invoice at the end of their credit term, we release the remaining balance to you, minus a small factoring fee.
Recourse vs. Non-Recourse Factoring: Choose What Fits Your Risk Profile
We understand that every business has a different appetite for risk. To give you maximum flexibility, we offer both recourse and non-recourse invoice factoring options:
Recourse Factoring
This is the most common and cost-effective option. If a customer ultimately fails to pay their 90-day invoice due to financial issues, your business agrees to buy back the invoice or swap it for a viable one. This option offers the lowest factoring rates and is ideal if you have highly reliable, long-term credit customers.
Non-Recourse Factoring
This option provides the ultimate peace of mind. If your customer goes bankrupt or becomes insolvent during the 90-day credit period and cannot pay, we absorb the credit loss, not you. While the fees are slightly higher to account for the added risk, it shields your business completely from bad debt.
How Invoice Factoring Transforms Your Cash Flow
Extended payment terms can paralyze an otherwise healthy business. When you partner with a factoring company to manage your 90-day credit invoices, you unlock immediate operational advantages:
Why Choose Factoring Over Traditional Bank Loans?
For businesses dealing with long payment cycles across diverse industries, traditional bank financing often falls short.
Invoice Factoring
Approval Speed: Setup in days; funds within 24–48 hours
Credit Basis: Primarily, based on your customers' creditworthiness
Debt Burden: Zero debt accumulated
Scalability: Grows inline with your sales volume
Traditional Bank Loan
Approval Speed: Weeks or months of underwriting
Credit Basis: Based on your company's strict credit & history
Debt Burden: Increases company liabilities
Scalability: Capped by a strict borrowing limit
Flexible Factoring for Most Industries
Every industry faces unique cash flow constraints when dealing with commercial clients. We specialize in providing tailored cash flow solutions across a wide range of sectors, including:
- Manufacturing & Distribution: Cover heavy upfront raw material costs well before your distributors pay.
- Transportation & Logistics: Fuel trucks, maintain fleets, and pay drivers without waiting for broker payouts.
- Staffing Agencies: Fund weekly payroll seamlessly while waiting for corporate clients on 60 or 90-day terms.
- Wholesale & B2B Services: Scale your operations and fulfill massive purchase orders confidently.
Get Started Today: Simple 3-Step Process
- Submit Invoices: Send us your outstanding invoices for work completed or goods delivered on credit terms up to 90 days.
- Receive Your Advance: We verify the invoices and advance a significant percentage of the total value directly to your bank account within 24 hours.
- Wrap Up: Your customer pays us directly according to their standard terms. We send you the remaining balance, minus our competitive factoring fee.
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