Working capital against your receivables, even on 90-day terms.
Invoice factoring advances most of the value of your unpaid B2B receivables against the invoice, with recourse. The firm tracks the payment, but you keep responsibility for collecting it. Funding clears once the receivable is approved. No new debt, no covenants.
We advance funds against a specific receivable owed by a creditworthy commercial debtor.
A substantial advance against face value is wired once the receivable is approved.
When the debtor pays on their normal terms, you receive the reserve back, less a flat fee. If they don't pay, the advance is yours to repay.
Working capital against your receivables, even on 90-day terms.
- 01
Apply
Submit a short application, your AR aging, and a sample of recent invoices. No hard credit pull on you.
- 02
Underwrite the debtor
We assess the credit quality of who owes you. The decision hangs on them, not on you.
- 03
Advance
Funds wire against the approved invoices. You keep operating.
- 04
Settle
Your customer pays us on their normal terms. You receive the reserve, less our fee. The cycle resets.
- B2B operators with regular 30/60/90-day commercial receivables
- Industries with creditworthy commercial or government debtors
- Operators who don't qualify for bank credit yet, or whose bank line is sized to last year's business
- Companies that need predictable cash flow more than the lowest possible cost of capital
- B2C businesses, we underwrite the debtor, not consumers
- Margins too thin to absorb a per-invoice fee
- One-time capital expenses unrelated to a specific invoice
- Consignment sales, pre-billed invoices, warranty claims, or progress-billed contracts
- Funding speed
- Once approved
- Advance
- Substantial against face value
- Monthly capacity
- Up to $10M
- Concentration
- Discussed case-by-case
- Collections
- Monitored by the desk. Client retains collection and repayment responsibility.
Send a few invoices and we'll respond with indicative terms.