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Invoice Factoring

Get paid now, not in 60 days.

Turn open invoices into cash today instead of waiting on your customer’s payment terms. Applied online, decided in hours.

Apply Now →How It Works
2–4 hrsDecision
NoTax returns
30–90 dayInvoices eligible
500+FICO accepted

Why factor instead of wait

If your business invoices other businesses on 30, 60 or 90-day terms, factoring turns that paper into cash now, so payroll and vendors do not wait on your customer’s accounts payable schedule.

Advance against open invoices
4-minute application, no tax returns
Decision in 2–4 hours
500+ FICO accepted
Works alongside other funding products

How it works

1. Apply online

A 4-minute application. Basic business information. No tax returns required.

2. Submit statements

Three months of business bank statements and ID. Upload securely.

3. Decision in 2-4 hours

A specialist reviews the file and matches you to the right funding product.

4. Funded

Most files complete the entire process, application to funds in the account, in under 72 hours.

Common questions

What invoices qualify?

Open invoices to creditworthy business customers, typically on 30 to 90-day terms.

How fast is the decision?

2 to 4 hours.

Does my customer know?

Factoring arrangements vary — ask your specialist about notification requirements for your file.

Do I need tax returns?

No.

Access $5K to $5M in business funding

Decisions in 2–4 hours. Same-day funding available. No tax returns required to apply.

Apply Now →