A/R Factoring

Turn unpaid invoices into immediate cash—don’t wait 30, 60, or 90 days to get paid.

How Invoice Factoring Works

Accounts Receivable (A/R) Factoring converts your outstanding invoices into working capital within days. Sell your invoices to a factoring company at a discount, receive 80-90% upfront, and get the balance (minus fees) when your customer pays.

Fast Cash

Get paid in 24-48 hours, not months

No Debt

Not a loan—selling an asset

Flexible Approval

Based on your customers' creditworthiness

Typical Terms

Advance Rate

80-90% of invoice value upfront

Factoring Fee

1-5% per month (varies by volume & risk)

Time to Fund

24-48 hours after invoice verification

Minimum Volume

Typically $25,000/month in invoices

* Rates and terms shown are typical starting points and vary by industry, invoice quality, and customer credit profiles.