Fast. Flexible.

Accounts Receivable Loans

Get Paid Faster & Boost Your Cash Flow
Immediate Capital

Turn Unpaid Invoices into Immediate Capital

Struggling with slow-paying customers? Our accounts receivable loans allow you to convert outstanding invoices into immediate working capital, helping you keep operations running smoothly and scale your business without financial stress.

  • Quick access to cash – No waiting on unpaid invoices
  • No fixed monthly payments – Flexible financing options
  • Approval based on customer credit, not yours

The Process

Simple Application

Our simple 15 second online application can get you matched with offers in minutes.

No Minimum FICO

Bad credit? No problem! Most of our top financing options have no minimum FICO.

Larger Amounts

Get matched with the best financing options with the highest funding amount.

Funds in 2 - 5 Days

Our Fintech Speed can get you in and out of Underwriting in as little as 2 - 5 days!

Enjoy Financial Flexibility with Accounts Receivable Financing

If your business sells goods or services, you can increase your liquid capital with accounts receivable financing. This funding option provides immediate access to the cash tied up in unpaid invoices, allowing you to cover payroll, expand operations, or handle unexpected expenses with ease.

At Starting Gate Financial, we help businesses unlock their cash flow by offering receivable loans that:

  • Eliminate long payment cycles that strain business operations
  • Allow you to invest in growth opportunities without borrowing against future revenue
  • Give you full control over how funds are used to run your business

With quick approvals and funding in as little as 24 hours, we make sure you never have to wait on slow-paying customers again.

ar financing
Accounts Receivable

How Accounts Receivable Lending Works

With accounts receivable lending, you don’t have to wait 30, 60, or even 90 days to get paid. Instead, Starting Gate Financial purchases your AR invoices at a reduced price, providing you with immediate cash while we handle collections.

Benefits of Financing Your Receivables
  • Fast access to funds without taking on new debt
  • No personal guarantees or credit checks required
  • Flexible financing that grows with your sales volume

Another major advantage is that your financing amount isn’t fixed. As your business sales increase, so does your access to funding, ensuring continuous cash flow to support your business growth.

QUESTIONS

Have Questions? Let’s Talk!

Which financing option is right for you? Our experts are here to help. Let’s discuss your business needs and find the perfect business line of credit lenders that work for you.

Need Answers? Talk to a Business Financing Advisor Today

Our Business Financing experts are here to assist you every step of the way. Whether you’re in search of your initial loan or weighing several alternatives, our experts will assist you in deciding on the perfect option suited to your unique business requirements. From expanding funding potential to obtaining better terms and reduced interest rates, we’re dedicated to your success. We’ll guide you through the entire process—from application to repayment—seamlessly, professionally, and hassle-free. Let’s begin. We’re waiting for you.

24/7 helpline service

We’re always here to take
your call – 24/7/365

What Do You Need To Qualify?

3+ Months in Business

You can qualify for our top financing options with as little as 3+months in business.

$5,000+ Monthly Gross Sales
The minimum revenue to qualify for financing options are $5,000 per month, or $60,000 in annual gross sales.
No Minimum FICO

We have financing options for all credit profiles. There is no minimum FICO score required to apply.

Testimonials

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Discover the Success Stories of Clients Empowered by Our Financial Solutions

Frequently Asked Questions (FAQs)

Accounts receivable loans allow businesses to get immediate cash by selling their unpaid invoices at a discount. Instead of waiting for customers to pay, you receive funds upfront while the lender collects the payments.

Accounts receivable financing is not a traditional loan—it’s a way to leverage outstanding invoices for immediate capital. Unlike traditional loans, there are no fixed monthly payments, credit checks, or collateral requirements.

Any business that issues invoices for goods or services can qualify. Since approval is based on your customers’ creditworthiness, even startups and businesses with financial challenges can get funding.

With receivable loans, businesses can access funding in as little as 24 hours, depending on invoice verification and approval.

Yes! Unlike traditional loans, the funding amount is flexible and grows as your sales improve—ensuring continuous access to working capital.