Invoice Factoring & AR Financing — Cash for Unpaid Invoices in 24 Hours

first fundings typically complete within 24 hours of invoice verification.

The 60-second take

Factoring converts your unpaid B2B invoices into immediate cash: a partner advances 70–90% of the invoice face value now, collects from your customer on the normal terms, then remits the balance minus a small fee. Approval rides on your customers' creditworthiness — which is why factoring works for young companies and credit-challenged owners that term lenders decline.

The detail that separates a good factoring experience from a bad one isn't the rate — it's whether the factor knows your industry.

Industry-specialist factoring partners

Generic factors treat every invoice the same. Ours don't. We route files to factors that live in your lane:

• Trucking & transportation — fuel advances, load-board integration, same-day funding on rate confirmations
• Staffing — weekly payroll funding against net-30/60 client invoices
• Manufacturing & distribution — PO-to-invoice lifecycles, large single-debtor concentrations
• Oil & gas services — long DSOs, large tickets, master service agreements
• Government contracting — assignment-of-claims handling and agency payment cycles

A factor that knows your paperwork funds faster and rejects fewer invoices.

AR financing vs. PO financing — when to use each

AR (accounts receivable) factoring is for work you've already delivered: the invoice exists, you want it paid now. PO (purchase order) financing is for orders you haven't fulfilled yet: a partner pays your supplier so you can deliver a large order, then factoring cleans up the invoice on the back end. If a big order is sitting on your desk that you can't afford to fill, PO financing is the tool — and yes, our network handles both ends of that transaction.

Who it's right for

• B2B businesses invoicing creditworthy companies or government on net terms
• Young companies with strong customers but thin operating history
• Owners declined for loans because of personal credit — factoring looks at your customers, not you
• Businesses growing faster than their cash cycle

Typical 2026 terms through our network

What you'll need when you apply

A sample of open invoices, customer list with typical terms, EIN and ID, and recent bank statements. Trucking: rate confirmations work fine.

Why factor through No Fee Funding

No fees to you. The factor pays our referral fee — your advance isn't shaved for it. Vetted specialists. Matched by industry, screened for transparent fee schedules and clean releases. Track record. 50,000+ businesses funded, $5B+ facilitated, since 2007.

Frequently asked questions