Invoice financing. Stop waiting to get paid.
If your business invoices other businesses with net-30, net-60, or net-90 terms, you're essentially giving your clients an interest-free loan. Invoice financing unlocks that cash immediately — typically 80–90% of the invoice value, same day or next day.
How Invoice Financing works with Gateway Capital
Share your outstanding B2B invoices with the lender. They verify the invoices with your clients (non-disruptively).
Get 80–90% of the invoice value deposited to your account — typically within 24 hours.
Your client pays the invoice as normal (to the lender). The lender collects the full amount.
Once the client pays, you receive the remaining 10–20% minus a small factoring fee (typically 1–5%).
Why businesses choose Invoice Financing
Turn net-30, net-60, or net-90 invoices into same-day cash. Eliminate the wait that strangles B2B cash flow.
Invoice financing is based on money already owed to you. You're accelerating your receivables, not taking on new obligations.
Lenders evaluate the creditworthiness of your clients — not you. Your clients' credit matters more than yours.
The more invoices you generate, the more financing you can access. It grows naturally with your revenue.
Choose between recourse factoring (you're responsible if the client doesn't pay) or non-recourse (lender assumes the risk).
With predictable cash flow, you can take on more clients, larger projects, and grow faster than your payment terms would otherwise allow.
When to use Invoice Financing
Staffing Agencies
Fund weekly payroll while waiting on 30–60 day client invoices.
A staffing agency factors $200,000 in invoices to cover payroll while waiting for Fortune 500 clients to pay.
Contractors & Construction
Fund materials and labor on a new project before the GC pays.
A subcontractor factors a $150,000 invoice to purchase materials for the next phase of a project.
Wholesale Distributors
Maintain inventory levels without waiting on retailer payments.
A food distributor factors invoices to maintain inventory and take on 3 new restaurant accounts.
Logistics & Freight
Cover fuel and driver costs while waiting on 30-day freight broker payments.
A trucking company factors freight invoices to cover fuel and maintenance between loads.
Government Contractors
Bridge the gap on slow-paying government accounts receivable.
A tech services firm factors a $500,000 government contract invoice while waiting on standard government payment terms.
Manufacturing
Fund production runs before receiving payment from distributors or retailers.
A manufacturer factors $300,000 in invoices to fund a new production run and take on a major new account.
One 2-minute application. Matched to the best invoice financing lenders for your profile.
Common questions about Invoice Financing
How can invoice financing help my business cash flow?
Invoice financing directly solves the #1 cash flow problem for B2B businesses: the gap between when you complete work and when you actually get paid. If you have $200,000 in outstanding invoices and a $50,000 payroll due this week, invoice financing bridges that gap — you get the cash from those invoices now instead of in 60 days. The result is predictable cash flow that lets you take on more work, pay your people, and grow.
What is the difference between invoice financing and invoice factoring?
Invoice factoring involves selling your invoices to a lender — the lender collects from your clients directly. Invoice financing (or invoice discounting) is a loan against your invoices — you still collect from clients and repay the lender. Factoring is more common for smaller businesses; invoice financing is more common for larger businesses wanting to keep collections in-house.
Will my clients know I am using invoice financing?
In traditional factoring, yes — clients are directed to pay the lender directly. In invoice discounting, no — clients pay you as normal. We can match you to either structure depending on your preference and client relationships.
What types of invoices can be financed?
B2B invoices are the standard — invoices issued to other businesses or government entities. Consumer-facing (B2C) businesses typically cannot use invoice financing. The invoices must be for completed work or delivered goods with no contingencies.
Can a new business use invoice financing?
Yes — this is one of the few funding products with no minimum time in business requirement. What matters is that you have creditworthy clients and legitimate outstanding invoices. A startup with $500,000 in Fortune 500 receivables can access invoice financing immediately.
What is a recourse vs non-recourse factoring agreement?
Recourse factoring means if your client doesn't pay, you're responsible for repaying the advance. Non-recourse factoring means the lender assumes the credit risk — if the client doesn't pay due to insolvency, you keep the advance. Non-recourse typically carries a higher fee.
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