Turn unpaid invoices into immediate working capital.
Up to 90% of invoice value
Loan Amount
1% – 5% per month
Typical APR
Until invoice is paid
Loan Term
24 – 48 hours
Funding Time
Invoice financing (also called accounts receivable financing) allows businesses to borrow against outstanding invoices. Instead of waiting 30, 60, or 90 days for clients to pay, you get up to 90% of the invoice value upfront — giving your business the cash flow it needs to keep moving.
Minimum Credit Score
560+
Bridge Payment Delays
Get paid immediately instead of waiting 30–90 days for clients
Fund Operations
Keep payroll, utilities, and overhead running without disruption
Take on New Contracts
Accept large orders you could not otherwise afford to fulfill
Avoid Late Payments
Pay your own suppliers and vendors on time to maintain relationships
Seasonal Cash Flow
Smooth out revenue gaps during slow business periods
Growth Reinvestment
Reinvest cash into marketing, hiring, or new equipment
From application to funding — here is exactly what to expect when applying for a Invoice Financing.
Upload your outstanding invoices through our secure portal. No minimum invoice amount required.
Receive up to 90% of your invoice face value deposited into your account within 24–48 hours.
Your client pays the invoice directly to the lender or to you, depending on the agreement type.
Once the invoice is paid, you receive the remaining 10–20% minus a small financing fee.
Min. Credit Score
560+
Invoice Minimum
$500 per invoice
Client Type
B2B or government
Time in Business
3+ months
Collateral
Invoices are collateral
Industry
Most B2B industries
Advantages
Approval based on client creditworthiness, not yours
Very low credit score requirements
No debt added to your balance sheet
Fast funding within 24–48 hours
Considerations
Only available to B2B businesses
Monthly fees can be expensive if invoices go unpaid
Some lenders require full invoice portfolio
Submit your application in under 10 minutes and get matched with top lenders offering competitive rates tailored to your profile.
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