Invoice Factoring
Turn Unpaid Invoices into Immediate Cash
Get Cash Fast from Outstanding Invoices
Invoice Factoring
Invoice Factoring allows businesses to sell their outstanding invoices to a lender or factoring company in exchange for immediate funding. This solution provides quick access to working capital, helping companies manage cash flow, pay employees, cover operational expenses, and invest in growth while waiting for customers to pay. It’s ideal for businesses with consistent invoicing but delayed customer payments.
How It Works
- Apply with your outstanding invoices and business details
- Lender reviews invoices to confirm eligibility and payment terms
- Receive funding—typically 70%–90% of the invoice value immediately
- Customer pays invoice directly to the lender or factoring company
- Remaining balance (minus fees) is returned to your business after invoice payment
Short Terms
1 – 24 weeks
Competitive Interest Rates
1% – 4% per invoice
Varying Funding Amounts
$20,000 to $5,000,000
How Invoice Factoring works!
Loan Amount: $20,000 to $5,000,000
Terms: 1 – 24 weeks
Rates: 1% – 4% per invoice/factoring period
Collateral: The factored invoices themselves serve as collateral
Qualifications:
- Credit Score: Not required
- Most factoring companies prefer at least 6 months in business, though some may fund newer companies
Faster Funding’s
Invoice Factoring: Unlock Liquidity from Your Stock
With Invoice Factoring, you can turn unpaid invoices into immediate cash to manage operations, expand your business, or cover unexpected expenses. This fast, flexible financing solution keeps your business moving without waiting for customer payments.
The Benefits of Invoice Factoring
Invoice factoring allows businesses to improve cash flow by converting unpaid invoices into immediate working capital. Instead of waiting 30, 60, or 90 days for customers to pay, companies receive most of the invoice value upfront, helping them cover expenses, invest in growth, or manage seasonal fluctuations. This financing option reduces the strain of delayed payments, eliminates the need for additional debt, and provides predictable cash flow — empowering businesses to stay competitive and financially stable.
- Access funds quickly without waiting for customer payments
- Improve cash flow management for growing businesses
- No personal or business credit checks required in most cases
- Ideal for B2B companies with recurring invoices
- Simplifies accounts receivable management
To qualify for Invoice Factoring, applicants generally need to meet the following:
- Outstanding Invoices: Must have valid, unpaid invoices from creditworthy customers
- No Credit Requirements: Factoring is based on the invoices themselves, not your personal or business credit
- Business in Operation: Most factoring companies prefer at least 6 months in business, though some may fund newer companies
How We Work. Our Mission & Values
At Faster Funding, we’re committed to helping businesses of all sizes succeed. Our Invoice Factoring programs are just one of the many ways we’re working to make that happen.
To learn more about Invoice Factoring or to apply for other types of funding, please contact us. Our team of experts is standing by to help you find the perfect lending solution for your business.
Faster Funding is Here to Help
Frequently Asked Questions
We understand you are probably wondering how this all works. Here are some key topics to help you make informed decisions to unlock your business’s growth opportunities.
Do I need collateral beyond the invoices?
No. The factored invoices themselves are the collateral.
How fast can I get funding?
Funding is often available within 24–72 hours after invoice approval.
Are there restrictions on invoice types?
Most B2B invoices are eligible; invoices from high-risk industries may be subject to additional review.
Is this a loan?
No, it is a sale of invoices. You receive cash upfront, and the factoring company collects payment from your customer.
Get Started
Contact us to learn more about our invoice factoring programs. Our team of experts is standing by to help you find the perfect financial solution for your business.
