Factoring
Get paid now, not in 90 days
Profitable businesses still run out of cash when customers pay slowly. Factoring turns your unpaid invoices into cash today — no new debt — so you can make payroll, buy materials and take the next job.
- No new debt
- Based on your customers' credit
- Fast funding
How it works
Your invoices are the asset
Instead of waiting 30–90 days, you sell your unpaid invoices and get most of the value up front. When your customer pays, you receive the rest minus a small fee. The approval depends mainly on your customers' credit — not yours.
- ✓ Advance most of the invoice value immediately
- ✓ Qualify on your customers' credit, not your own
- ✓ No years-in-business, high revenue or perfect credit required
- ✓ Scales as your sales grow
Who it's for
Built for businesses that invoice and wait
Construction & contractors
Cover labor and materials between draws.
Staffing
Make payroll while clients pay on net terms.
Transportation
Fuel and drivers now; broker pays later.
B2B services
Any business invoicing other companies or government.
The honest part
Is it the right tool?
Factoring solves a timing problem, not a profitability problem. If the issue is margins, we'll say so. If you invoice other businesses and just need the cash sooner, it's one of the fastest tools available — and we'll tell you honestly if it fits.
Stop waiting on your invoices
Tell us who you invoice and your terms, and we'll see if factoring fits.