Cash for unpaid invoices, priced on your customers' credit more than yours. 100 factors across the US and Canada, typically lending $10k to $10M. Last checked Nov 1, 2026.
Factors buy your unpaid invoices, advance most of their value within a day or two and collect from your customer when the invoice comes due. Because they are underwriting your customer's ability to pay, factoring opens to young and fast growing businesses a bank would turn down. The cost comes as a discount on each invoice, so compare the advance rate, the fee per period and any minimum volume before you choose.
Read the guide: Invoice factoring: how factors buy receivables and what they check6 min
Creditworthy customers who pay on time, invoices with proof of delivery, no prior liens on receivables and a spread of customers.
Two to five days to open the account, then about a day per invoice. Customer verification and an existing lien are what slow it.
Entries start from public records. Standing rises as the lender claims its entry, adds its loan officers and verifies its details.
The register lists 100 factors and 3 loan officers who work at them. Any lender can claim its entry and correct its details.
