Small Business Invoice Factoring Can Unlock Working Capital

Is Your Working Capital Tied Up?

Small business invoice factoring can unlock working capital tied up in customer invoices – without waiting for your customers to pay.

  • Fees as low as 5% – ask about bundle discounts!
  • Advances up to 90%
  • Fast approvals and funding
  • Flexible, tailored programs
  • Spot factoring
  • No contract, short or long term contract options – you stay in control!

Get a quote for small business factoring with same day funding, low factoring fees and high advances, with a program tailored to the unique needs of your business.


Fast, Secure and Easy

Here’s how the small business invoice factoring process works:


Submit an inquiry about small business factoring and we’ll put together options based on your business needs and preferences.


Go from approval to your first funding in as little as 24-48 hours — or even faster; factor only when you choose.


Turn expedited cash flow into growth and competitive advantages.

Small Business Factoring Fees and Rates

What type of factoring fees and advances are available?

We offer small business invoice factoring with fees as low as 5% and advances up to 90%. Because your fee will be assessed based primarily on your customer’s credit-worthiness (not your organization’s) you can be a “small” factoring client and still get great factoring rates!  We offer factoring services with great amenities, such as:

  • Factoring fees as low as 5%
  • High advances on factored invoices – up to 90%
  • Fast funding
  • No long term contracts
  • Credit reports to help you vet new customers
  • No minimums – factor when you think it’s best for your business
  • No hidden fees — no application, due diligence or schedule processing fees

What type of small businesses can enjoy the benefits of invoice factoring?

Just about any type of company that invoices customers for payment or waits on promised payments may be able to factor invoices.

  • Staffing and temporary employment agencies (security services, nursing, etc.)
  • Commercial cleaning or other service businesses
  • IT service providers, app developers, data security companies
  • Beer, Wine and Spirits
  • Business consulting and B2B business services
  • Trucking, transportation, and logistics
  • Supply chain distributors and manufacturers
  • Vendors selling through Costco, Walmart, and other mass retailers
  • Textile, clothing, accessories and other wholesalers
  • Oil and gas (and all gas and oil field contractors)
  • Energy and utilities companies and contractors – any many others.

Stop chasing customer payments!

Speed up cash flow by factoring invoices instead of waiting 30, 60, 90 days or longer for customers to pay.

Small Business Factoring – How the Process Works

Request a free, no-obligation quote to determine how much working capital you could unlock by factoring invoices instead of waiting for customers to pay.

Once you’ve been approved and have factored at least one invoice, receive your first funding in days (or even hours) and get same-day funding up to 90% of the invoice amount when you factor invoices after that.

How the Process Works

Invoices factored are typically funded on the same day – up to 90% of the face value of the invoice, with the remainder placed in “reserve” pending customer payment.

For instance, let’s say you are billing a customer $12,000, but you want to access the funds without waiting weeks—or even months—for the customer to pay.

Assuming a factoring fee of 5%, and an advance rate of 90%, here’s how it would work:

Day 1 – Generate $12,000 client invoice and factor it
 – Same Day Your company receives 90% advance of $10,800 by wire transfer or ACH
The factoring company earns 5% factoring fee
Day 30+ Your company receives any amount held in reserve after the invoice is paid