Invoice Factoring: Turning Your Paperwork into Paychecks
Get cash fast by turning unpaid invoices into immediate funding for your business.
What Is Invoice Factoring?
Invoice factoring is a financing solution where a business sells its outstanding invoices at a discounted rate to gain immediate access to working capital. Since it can take anywhere from 30 to 90 days for businesses to collect payments from customers, invoice factoring provides a fast way to cover cash flow gaps. The funder either collects payments directly from your customers or you forward those payments to the funder until the advance is fully repaid.
A key benefit of invoice factoring is that it turns unpaid invoices into immediate cash for your business. However, most funders will review your outstanding invoices to ensure your customers have a reliable history of paying on time before advancing funds.
Advance Amount: Access advances ranging from $20,000 up to $10 million based on your business needs.
Easy Application: Simply apply by submitting your outstanding invoices for quick processing.
Simple Process: Get fast access to funds on your 30, 60, or 90-day invoices without the long wait.
Quick Capital for Cash Flow: Invoice factoring lets you sell your outstanding invoices for immediate cash, speeding up your cash flow while waiting for customer payments.
What You Need To Apply
Valid Form Of Identification
Provide a valid, government-issued ID such as a driver's license or passport.
Unpaid invoices from a reputable creditor
Provide details of any unpaid invoices from reputable creditors to help assess your business's cash flow and outstanding receivables.
Application Process
1
Apply
Submit your application online by providing basic business information and required documents, such as ID and bank statements.
2
Approval
Our team reviews your application, and once approved, you’ll receive a clear offer outlining your loan terms and payment options.
3
Funded
After approval, your funds will be deposited directly into your business account, ready to use for whatever your business needs.
Invoice Factoring FAQs
How does invoice factoring help my business?
Invoice factoring allows businesses to convert unpaid invoices into immediate cash, helping to improve cash flow and cover operational expenses without waiting for customer payments.
Who is eligible for invoice factoring?
Invoice factoring is ideal for businesses with outstanding invoices from creditworthy customers, especially those that need quick access to capital to cover immediate business needs.
Can I use invoice factoring if my business has poor credit?
Yes, invoice factoring is often available to businesses with less-than-perfect credit, as the focus is on the creditworthiness of your customers, not your business’s credit score.
What are the benefits of invoice factoring?
Invoice factoring provides immediate cash flow, improves working capital, and reduces the time spent chasing unpaid invoices, allowing your business to focus on growth.
Are invoice factoring and accounts receivable factoring the same thing?
Yes, both terms refer to the same financing process, where a business sells its outstanding invoices to a third-party funder for immediate capital.
Direct 2 Capital
Direct 2 Capital is dedicated to providing fast, flexible financing solutions to small businesses across a variety of industries. We specialize in offering working capital through business loans, lines of credit, and other financial products designed to support your business’s growth. Whether you need funds for expansion, inventory, equipment, or managing cash flow, we provide easy access to the capital you need, with simple terms and quick approval processes.
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