Capital solution

Receivables-based capital for companies waiting on customer payments.

Factoring or receivables-oriented structures may fit businesses with strong customer demand but cash-flow pressure between invoice issuance and collections.

Invoice factoring (also called accounts receivable factoring) converts outstanding B2B invoices into immediate working capital. Rather than waiting 30—90 days for customer payments, companies receive an advance on their receivables, bridging the gap between service delivery and cash collection.

Good fit

Commercial invoice cycles

Especially relevant for B2B companies with reliable customers and meaningful A/R balances.

Tradeoff

Customer and invoice quality matter

Facility terms depend on debtor quality, invoice aging, concentration, disputes, and collections history.

Review

A/R detail becomes central

Larger requests should expect A/R aging, customer lists, invoice detail, and existing lien review.

Underwriting considerations

What we evaluate for receivables-based facilities.

A/R aging, customer concentration, and dispute history.
Invoice terms, payment cycles, and collection patterns.
Existing liens, current lenders, and UCC position.
Use of funds and how additional liquidity supports operations.

By industry

Factoring works differently depending on who owes you.

The mechanics of a receivables facility change with the industry, because what underwriting worries about changes. Client concentration matters more in staffing than in distribution. Retainage and lien rights dominate construction. Broker credit and quick-pay alternatives shape trucking.

Invoice factoring and payroll funding for staffing agencies — weekly payroll against net-30 to net-60 client terms, where funding has to clear on a fixed day rather than a convenient one.
Working capital and factoring for trucking companies — fuel and settlements due before the broker pays, and how factoring compares with quick pay.
Working capital for construction companies and contractors — retainage, progress billing and why contractor receivables are underwritten differently.
Working capital and inventory financing for manufacturers — receivables alongside raw materials and long production cycles.

Where an order has not yet been fulfilled there is no receivable to factor. That stage is covered by purchase order financing, which usually hands off to factoring at delivery. Companies with both receivables and inventory to pledge should compare against asset-based lending, which is typically cheaper at scale.

Turn receivables timing into a structured capital discussion.

Start with the business pressure and customer payment cycle, then evaluate the right facility.

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