Invoice Factoring & AR Financing
Stop waiting 60 days for the GC to pay you.
- Amount Range
- $25,000 – $10,000,000+
- Min. Time in Business
- 6 months
- Min. Credit Score
- No minimum
- Typical Funding Speed
- As little as 24 hours
Overview
Net-30 turns into net-75 more often than any contractor cares to admit. Factoring converts your open receivables into cash now, and because underwriting leans on your customer's credit rather than yours, it works for shops with thin credit or short operating history. Trucking, staffing-heavy trades, and subs working under big GCs use this every single week.
Best Used For
- Subcontractors waiting on GC draw cycles
- Trucking companies waiting on broker settlements
- Businesses that grew faster than their bank statements
- Owners who can't qualify on personal credit yet
How It Works
- Step 1Submit the invoice
Upload the invoice and supporting job docs after the work is completed and accepted.
- Step 2Get the advance
80% – 95% of face value wires to you, typically within 24 hours of verification.
- Step 3Reserve released
When your customer pays, the balance is released to you minus the factoring fee.
What You'll Need
- 6+ months in business
- Commercial or government customers (no consumer invoices)
- Invoices for completed, accepted work
- AR aging report and customer list
Factoring fees typically 1% – 3.5% per 30 days.
Apply for Invoice Factoring & AR Financing
Soft credit pull. No application fee. Answer in 24 hours on most files.
Other Programs
Ready to put capital to work?
Tell us what you run and what you need. A specialist who knows your trade calls you back within one business hour.