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Carter Funding

Listed
Factoring company for invoice factoring and working capital loansMemphis, TennesseeBased in Tennessee; service area not yet provided
BBLL 000633Listed Nov 2026From public recordsLast checked Nov 1, 2026
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About

Carter Funding purchases business receivables from startups and established firms, with selective invoice funding and customer-credit limits. Its FAQ describes renewable 12-month agreements and recourse repurchase of invoices that remain unpaid.

Factoring company. Buys or advances against business invoices.

This entry starts from public records. The lender fills in the rest when it claims the entry, which is free.

What they lend

Invoice factoringWorking capital loans
StaffingManufacturingConstructionTechnologyProfessional servicesTrucking and logistics
From the lender's own site and public records.

A second look at Carter Funding

Carter Funding purchases business receivables from startups and established firms, with selective invoice funding and customer-credit limits. Its FAQ describes renewable 12-month agreements and recourse repurchase of invoices that remain unpaid.

Direct commercial accounts-receivable factor.

Published by Levr, not by Carter Funding. This is a source-based profile and editorial assessment, not customer reviews or a promise of approval. Sources checked November 1, 2026.

Visit the official provider website →

Programs and published requirements

Compare the specific program and legal funding entity on your offer. Advertised limits and minimums do not guarantee eligibility or your price.

Business invoice factoring

Advance and price
Homepage advertises advances up to 90% and factoring rates from 1% per invoice; actual offer depends on underwriting.
Contract and selection
FAQ states agreements renew on 12-month terms while clients choose invoices and may choose to factor none.
Onboarding versus repeat funding
First funding normally occurs within three business days, and later funding can occur within hours of a request.
Recourse and liens
Unpaid invoices must be repurchased after the agreed period, with 90 days given as an example; existing liens may require subordination.

Provider sources: Program overview · Contract, recourse and process FAQ

When it may fit

Our assessment of the published programs

  • Consider for a B2B startup or growing firm with creditworthy customers that wants selective invoice funding and accepts recourse.

What to weigh carefully

  • The FAQ says no reserve but also describes rebating a reserve less fees after collection; clarify the retained balance rather than assuming none is withheld.
  • A starting invoice fee does not specify all time-based charges, and a renewable contract still needs notice and exit review.

Questions before you accept an offer

  1. What balance is retained after the initial advance and when is it released?
  2. What renewal notice and termination obligations apply?
  3. When does an unpaid invoice become subject to repurchase and what fees continue?

Ask for written terms. Compare net cash received, total repayment, fees, payment timing and early-payoff costs for the same financing need.

Prepare your comparison

Use the same questions and figures for each offer you receive.

Alternatives to research

These are options for a related financing need, not a ranking or a claim of equivalent eligibility or pricing.

Riviera Finance

Compare Riviera Finance for another receivables purchase and credit-management approach.

Eagle Business Credit

Compare Eagle Business Credit for invoice funding and debtor eligibility.

The lender

Type
Factoring company
Legal name
Carter Funding Corporation
Founded
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Charter
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Headquarters
Memphis, Tennessee
Service area
Based in Tennessee; service area not yet provided
Meets in person
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Languages
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Program approvals
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Also lends to consumers
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Website
carterfunding.com
LinkedIn
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Loan officers at this lender

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