Receivables Financing (Factoring)
Flexible commercial real estate financing designed for smaller transactions, owner-users, and investors seeking speed and efficiency.
What is Receivables Financing?
Receivables Financing, also known as factoring, allows businesses to access capital by selling their outstanding invoices at a discount in exchange for immediate cash.
Instead of waiting 30, 60, or even 90 days for customers to pay, you can stabilize cash flow, cover operating expenses, and continue growing your business without interruption.
This solution is ideal for companies with strong receivables but limited access to traditional financing.
Factoring vs Traditional Loans
Unlike traditional loans, receivables financing does not rely solely on your business credit or financial statements. Instead, approval is largely based on the strength and reliability of your customers.
This makes factoring a powerful option for businesses that are growing quickly but need liquidity.
Who This is For:
Key Benefits:
- Businesses with outstanding invoices (B2B or B2G)
- Companies experiencing cash flow gaps
- Growing businesses needing working capital
- Contractors, logistics, staffing, and service companies
- Businesses unable to qualify for traditional bank loans
- Immediate access to working capital
- No traditional loan structure or long-term debt
- Approval based on customer credit, not just your business • Improves cash flow predictability
- Improves cash flow predictability
- Scalable with your revenue growth
⭐ Basic Qualification Requirements
🟢 Active business with verifiable invoices
🟢 Creditworthy customers (B2B or B2G)
🟢 Consistent invoicing activity
🟢 Clean accounts receivable aging (preferred)
Common Use Cases
🟢 Cover payroll and operating expenses
🟢 Bridge cash flow gaps between payments
🟢 Fund rapid growth or new contracts
🟢 Purchase inventory or materials
🟢 Stabilize seasonal revenue cycles