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Invoice financing
Stop waiting 30 to 90 days to get paid.
Get an advance on outstanding invoices from creditworthy customers.
- How much
- A share of open invoices
- How fast
- Often within days of setup*
- Repay
- When your customer pays
How it works
The short version.
Invoice financing advances you a large share of what your customers owe you. When they pay, the balance comes back to you minus the fee.
Approval leans heavily on your customers' payment history, so it can work even for younger businesses with strong clients.
A good fit for
- B2B companies on net-30 to net-90 terms
- Trucking companies waiting on broker payments
- Staffing, wholesale and manufacturing
- Fast-growing businesses outrunning their cash
Compare
Invoice financing vs. a line of credit
| Invoice financing | Line of credit | |
|---|---|---|
| Based on | Your customers' credit | Your credit and history |
| Grows with | Your sales | A fixed limit |
| Best for | B2B with slow-paying clients | General cash-flow gaps |
Getting started
What it usually takes.
Typical starting points. Stronger files usually unlock more.
Customers
Businesses or government, not consumers
Invoices
Open and verifiable
Time in business
6+ months
Questions
About invoice financing
Will my customers know?
Some programs notify customers and some don't. We'll explain which you're getting.
Do I have to finance every invoice?
Not always. Some programs let you choose which invoices to advance.
What if a customer pays late?
Terms vary by program. We'll walk you through how late and unpaid invoices are handled before you sign.