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.

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

Our Clients Reviews

Discover the Success Stories of Clients Empowered by Our Financial Solutions

5.0
Based on 9 reviews
powered by Google
uwade alade
01:36 25 Jan 25
Syed Raza at Stargate Financial provided exceptional service in helping me secure a six-figure SBA loan. His professionalism, expertise, and efficient communication made the entire process smooth and stress-free. Syed worked quickly to ensure everything was completed on time, exceeding my expectations. I highly recommend him to anyone in need of reliable and knowledgeable loan assistance. Thank you, Syed, for your outstanding support!
Hyder Syed
03:55 21 Aug 22
Highly Recommended ⭐⭐⭐⭐⭐ !!Professional , Honest , & Excellent Customer Service w/ Ethics.
Khalid karfis
23:25 22 Apr 22
Best finance company for small business 👌
Andrew Alegnani
21:10 21 Apr 22
Syed and Starting Gate Financial are absolutely excellent! Syed is SO knowledgeable, kind and truly looks out for your best interest; and won’t rest until he makes sure he has secured the paper funding to fit your needs, not to mention that you understand everything and answers all your questions. He is also there every step of the way, and after the fact does not disappear. Keep up the excellent work!!!
Scott Mathison
21:07 21 Apr 22
They are so comprehensive and yet even if you are a new business or startup they treat you like that is their only function! They call back so much quicker than any financial service company I have ever even heard of. They take time to get to know exactly what your business needs and come up with exactly what they need.
Philip Laskaris
21:06 21 Apr 22
Syed is very knowledgeable and helpful. He truly know his industry and looks for the best options for his clients.
Travis Book
21:04 21 Apr 22
Syed is extremely helpful and honest. Always does his best to help myself and my clients.

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.

Open chat
Hello
Can we help you?