Financing Program
Accounts Receivable Financing
Accounts receivable financing advances capital against your outstanding invoices — giving you liquidity today rather than waiting 30, 60, or 90 days for customers to pay. Ideal for businesses with strong receivables but inconsistent cash flow timing.
Loan Range
$50,000 – $10,000,000
Term Range
Revolving (30–90 days)
Structure
Turn outstanding invoices into immediate working capital
What It's Used For
Common Use Cases
Bridge the gap on slow-paying government or corporate clients
Fund payroll and operations between invoice payments
Accelerate growth without taking on fixed-term debt
Manage seasonal revenue fluctuations
Support rapid hiring or project ramp-up
Program Details
Key Features
Advance rates up to 90% of eligible receivables
No long-term contracts required on many programs
Factoring and asset-based lending structures available
Approval driven by receivable quality, not credit score
Scalable — funding grows as your receivables grow
Compatible with most existing bank credit facilities
How It Works
How This Financing Is Structured
Accounts receivable financing advances a percentage of outstanding invoices — typically 70–85% — with the remainder held in reserve until the client pays. The advance is repaid when the invoice is collected. Factoring transfers collection responsibility to the lender; invoice financing keeps collections in-house.
Fit Assessment
Is This the Right Program?
✓ This program IS a good fit when:
- →B2B businesses with creditworthy commercial clients
- →Companies with 30–90 day payment cycles
- →Businesses experiencing rapid growth
- →Operators needing to fund payroll or inventory
✗ This program is NOT the right fit when:
- ✗B2C businesses with retail consumers as clients
- ✗Businesses with disputed or aged receivables
- ✗Companies with receivables under $25K monthly
- ✗Industries with high chargeback or return rates
Common Questions
Frequently Asked Questions
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Unlock Your Receivables
No cost. No obligation. A direct conversation about whether this program fits your deal.