Factoring

Home Factoring

Immediate working cash. It is not a loan. There is no long-term debt, no interest rate, and no personal guarantee required. The focus is strictly on the creditworthiness of the business’s customers and the quality of the invoices or receivables being submitted.

We help clients access factoring relationships that are structured to support growth, cover short-term obligations, or bridge cash flow gaps. These include invoice factoring, spot factoring, recurring accounts receivable programs, and contract-based receivables arrangements.

Factoring converts receivables into upfront cash. We help clients leverage invoices, contracts, and purchase orders to access capital without taking on debt.

Research beyond the business plan

Growth Without New Debt

Factoring allows businesses to fund growth without increasing liabilities. Whether scaling operations, hiring staff, or fulfilling large orders, factoring creates liquidity without changing the company’s credit profile.

Slow-Paying Customers

For clients working with corporate buyers, government contracts, or institutions that take 30 to 90 days to pay, factoring eliminates the delay by advancing funds upfront on verified invoices.

Contract-Based Revenue

Many clients do not realize that signed contracts can also be factored. We assist with identifying programs that treat signed agreements, service contracts, or recurring billing relationships as eligible assets.

Factoring Programs and Insights

Factoring is not a one-size-fits-all solution. We assist clients in choosing the right structure based on invoice size, client volume, concentration risk, and expected payment timelines. Our internal tools and funding relationships allow us to source programs across multiple industries including staffing, logistics, manufacturing, distribution, professional services, construction, and more.

Our analysis process includes:

  • Identifying eligible receivables, contracts, or purchase orders
  • Assessing customer credit and payment history
  • Reviewing existing payment terms and risk of dilution
  • Matching client goals to recourse or non-recourse programs
  • Packaging the necessary documentation for same-day approvals