Invoice financing — stop waiting to get paid.
If your business invoices other businesses, you're likely sitting on thousands in outstanding receivables waiting 30, 60, or 90 days for payment. Invoice financing advances you up to 90% of that value today — no new debt, no fixed monthly payments.
What can invoice financing do for your business?
How can invoice financing help your business cash flow?
Invoice financing eliminates the cash flow gap between delivering services and getting paid. Instead of waiting 30–90 days for clients to pay, you receive up to 90% of the invoice value within 24 hours. The remaining balance — minus the lender's fee — arrives when your client pays. Your cash flow becomes predictable and immediate.
How can invoice financing help a growing business scale?
Growth is expensive — you need to hire, buy materials, and invest before clients pay. Invoice financing converts your outstanding work into immediate capital, letting you fund your next job with the revenue from your last one. This is how successful service businesses scale without taking on traditional debt.
How can invoice financing help when clients pay slowly?
Even if your clients are creditworthy, slow payment cycles can kill your operations. Invoice financing lets you extend generous net terms to clients while getting paid immediately yourself. You get the best of both worlds — competitive client terms and immediate cash flow.
How can invoice financing help a business avoid traditional debt?
Invoice financing is technically not a loan — it's an advance against money already owed to you. It doesn't add traditional debt to your balance sheet, doesn't typically require personal guarantees, and qualifies based on your clients' creditworthiness rather than just yours. This makes it accessible to businesses that don't qualify for traditional financing.
Which businesses use invoice financing?
Invoice financing qualifications
- ✓B2B invoices (invoicing other businesses)
- ✓Creditworthy clients (established companies, government)
- ✓500+ personal credit score
- ✓3+ months in business
- ✓No outstanding invoice disputes
Apply in 2 minutes with a sample invoice and we match you to lenders based on your client profile. Qualification is based primarily on your clients' creditworthiness — not just yours.
Advance My Invoices — Free →Invoice financing — frequently asked questions
What is the difference between invoice financing and invoice factoring?
Invoice financing uses your invoices as collateral for an advance — you remain responsible for collecting from clients. Invoice factoring means selling the invoice to a factor who collects directly from your client. We offer both structures depending on your preference and client relationships.
Does invoice financing notify my clients?
It depends on the structure. Disclosed factoring (where the factor collects from your client) does notify clients. Confidential invoice financing does not — you collect as normal. We match you to lenders who offer either structure.
What types of invoices qualify for financing?
Qualifying invoices are typically B2B invoices to creditworthy businesses or government entities, completed and undisputed, on net-30 to net-90 terms. Invoices to consumers (B2C) generally don't qualify.
How is invoice financing different from a business loan?
Invoice financing isn't a loan — it's an advance against money already owed to your business. It requires a different credit profile than a loan, doesn't add traditional debt, and qualifies based on your clients' creditworthiness rather than yours alone.
What percentage of my invoices can I advance?
Most invoice financing lenders advance 80–90% of the invoice value upfront. The remaining balance, minus the lender's fee (typically 1–3% per month outstanding), is paid when your client settles.
Can a new business use invoice financing?
Yes — invoice financing is one of the most accessible forms of funding for newer businesses. Since it qualifies based on your clients' creditworthiness rather than your history, companies as young as 3 months old with strong B2B clients can qualify.
Ready to stop waiting to get paid?
Apply free in 2 minutes. No hard credit pull. Matched to invoice financing specialists in our network.
Advance My Invoices — Free →