Accounts Receivable Factoring – Turn Invoices Into Instant Cash
What is it?
Receivable or AR factoring allows you to sell unpaid invoices to a lender in exchange for immediate cash, improving cash flow without taking on additional debt.
How It Works:
You receive an advance (typically 70–90% of invoice value) upfront, and the factoring company collects payment from your customers.
Common Uses:
- Bridge cash flow gaps
- Cover payroll and expenses
- Take on new projects without waiting for payments
Pros:
- Immediate access to funds
- No new debt added to your balance sheet
- Approval based on customer creditworthiness
Cons:
- Factoring fees can be high
- Customers will interact with the factoring company
Rates, Terms & Funding Ranges:
- Advance Rate: 70-90% of invoice value
- Fees: 1-3% per month
- Funding Time: As fast as 1 week
Get Started:
Unlock the value of your invoices today with receivable factoring.