Programs Receivables Finance
Your invoices are worth money today.Put them to work.
Receivables Finance turns the invoices you send creditworthy business customers into working capital, so payroll, suppliers and the next job don’t wait on a 30 to 90 day check. When your customer pays, the balance comes back to you.
A few minutes to start. No obligation.
Funded as you bill.
Each approved invoice is funded when it goes out. The balance follows when your customer pays.
How it works
You keep billing the way you do.The cash shows up sooner.
- 01
You do the work and bill your customer
Invoice the way you do today. Nothing changes about how you serve your customers.
- 02
Approved invoices are funded
Cash against each approved invoice, as it is issued, so payroll and suppliers are covered on your schedule instead of your customer’s.
- 03
Your customer pays, the balance comes to you
When the invoice is paid, the remaining balance, less the fee, is sent to you. The facility grows as your sales do.
Who it fits
Built for B2B companies that bill on terms.
Your customers’ credit carries much of the decision, so a strong customer list matters more than a long balance sheet.
A strong fit
- Established B2B companies billing commercial customers on terms
- Staffing firms carrying weekly payroll
- Transportation and logistics companies billing shippers and brokers
- Manufacturers, distributors and wholesalers shipping ahead of payment
- Consumer product companies selling to retailers
- B2B service companies with a few large accounts
Not a fit
- Companies selling to consumers
- Medical receivables paid by insurers or government programs
- Software and subscription businesses
- Stacked merchant cash advances or SBA debt
- Invoices that are disputed, contingent or already pledged
What could your invoices support?
Move the sliders to match your business. You’ll see a dollar range based on what your customers owe you at any given time.
Example answers to start. Change any of them.
Estimated funding: $900,000 to $950,000.
Estimates are based on your answers and are not an approval or a commitment to fund. Your actual funding amount will depend on a review of your business and supporting documents.
What to have ready
Know what it takes before you start.
This is what a full review looks at. Start the application with what you have and add the rest as you go.
- Year-to-date financial statements
- Prior year-end financial statements
- Accounts receivable aging, by customer
- Accounts payable aging
- Customer list with contact details
- Last three months of business bank statements
- Articles of formation or operating agreement
Receivables Finance, answered.
Usually, yes. Customers are asked to send payment to a designated account. How that is introduced is agreed with you before anything goes to a customer.
No. Which customers and invoices are included is settled with you up front, and it can change as your business does.
No. It is financing against your receivables. Because it is tied to what your customers owe you, it can grow with your sales instead of being capped by last year’s balance sheet.
That’s common. A lender with a claim on your invoices is addressed first, which can reduce the cash you receive at the start. Moving from a current factoring company is routine, and paying it off is part of the setup.
It depends on your receivables, your customers and how they pay. The calculator gives you a dollar range from your answers. Final terms are set in underwriting.
What’s your next move?
Turn your opportunity into reality with clear terms, transparent processes, and decisions based on potential, not just history.