Invoice Financing.
Get paid before the customer does.
Protect your cash flow.
We place invoice factoring and invoice financing for businesses waiting on Net-30 to Net-90 customers. Advances run up to 90% of the invoice. After the account is set up, funds often land the same day or within 24 hours.
Your information is secure. We never sell your data.
Built for unpaid invoices.
Designed around the customer who pays late.
You already did the work. The cash is sitting in a Net-30, Net-60, or Net-90 invoice. We match factoring or confidential invoice financing to that receivable, through partners including REIL Capital.
Invoice Advances Without the Cash Hit
Submit the invoice. Advance up to 90% of face value. The reserve, minus the fee, comes back when the customer pays. The rate is a factor fee, not an APR.
Priced on the Customer, Not Only You
Factoring looks hardest at who owes you. A younger or thinner-credit business can still qualify when the customer pays reliably. Owner credit still matters on some files.
It Grows With the Invoices
No fixed lump sum to renegotiate. The line scales with invoices you issue. Spot a single invoice, or run the whole ledger for a better rate.
See what an invoice advance
could put in the account
Estimate only. Factor fees are per 30 days, not an APR. Advance rate and fee depend on the customer, industry, and partner.
The right advance for the invoice
you are waiting on.
We match factoring or confidential invoice financing to the customer, the terms, and whether you want them notified.
Invoice Factoring
A sale of the receivable. The factor advances up to 90%, notifies the customer, and collects. It adds no new loan to the balance sheet. Recourse is common. Nonrecourse, where the factor takes defined credit loss, usually costs about a point more.
B2B invoices • Net-30 to Net-90 • Notified factoring
Invoice Financing
Payroll, materials, fuel, and subcontractors while a Net-60 invoice is still open. The advance is tied to invoices, not a guess about next quarter.
- Fast funding
- Use for any business expense
- Credit scores 550+
Confidential Discounting
You keep the invoice and collect. The advance is a line against receivables, often confidential. The customer does not get a notice of assignment.
- Based on card sales
- No fixed monthly payment
- Fast approval & funding
Recourse
You buy back an unpaid invoice. Fees are lower. Fits customers with a clean pay history.
- Interior & exterior projects
- Multi-location growth
- Longer terms available
Nonrecourse
The factor absorbs defined credit loss, such as insolvency. Usually about one point more. Fits newer customers or uneven sectors.
- Seasonal inventory boosts
- Supplier payments
- Quick turnaround
By Industry
Trucking often sits at the high end of the advance. Construction is often lower because of retainage. Staffing, healthcare, and wholesale fit when the customer is creditworthy.
- Trucking and brokers
- Construction progress bills
- Staffing and healthcare
When a Loan Is Better
A term loan is still the better tool for equipment or a building. Invoice capital is for the gap between delivery and payment, not a long project.
- Equipment and real estate
- Not a 90-day gap
- We will say so
Get invoice financing in 3 simple steps
Setup is often 3 to 4 business days. Advances after that are faster.
1. Apply Online
Tell us the invoices, the customers, and whether you want factoring or confidential financing. Under 2 minutes.
2. Review & Compare Offers
We shop partners, including REIL Capital, against the customer’s credit and your terms. First-account setup is often 3 to 4 business days.
3. Get Funded & Move Forward
After the account is open, submitted invoices often fund the same day or within 24 hours. The reserve comes back when the customer pays, minus the fee.
Invoice Financing Resources
How factoring differs from invoice financing, what the fee per 30 days means, and which invoices a partner will actually advance.
How Invoice Factoring Works in 2026
A sale with notice and collections, or a confidential advance you collect. Both can advance up to 90%. They are not the same product.
Read ArticleWhat the Fee per 30 Days Actually Costs
When a percentage-of-sales advance makes more sense than a fixed monthly payment — and how to choose the right tool for seasonal or high-volume locations.
Read ArticleWho Gets Approved
The customer’s pay history does more work than your score. Concentration limits apply if one account dominates the ledger.
Read ArticleReal invoices. Real advances. Real payroll.
"We advanced open staffing invoices instead of waiting on Net-45 clients. Payroll ran. The reserve came back when the clients paid."
"Broker invoices were the holdup. After setup, advances landed inside a day and covered fuel and driver pay."
"Progress billings were Net-60. The advance covered materials and subs without a new term loan on the books."
"The file was thin on our side. They underwrote the customers. A 580 score was not the reason for the no."
"We kept collections. The customer never got a notice. The advance still covered the gap before insurance paid."
"We advanced open staffing invoices instead of waiting on Net-45 clients. Payroll ran. The reserve came back when the clients paid."
"Broker invoices were the holdup. After setup, advances landed inside a day and covered fuel and driver pay."
Frequently Asked Questions
Straight answers about invoice factoring and invoice financing.
Ready to advance the invoices
you are already waiting on?
Tell us who owes you and on what terms. We will match factoring or confidential invoice financing. No obligation.
No credit impact to see your options • Free consultation • No obligation
Navigating Transactions, Maximizing Potential
M&A Advisory Services For Privately-Held Businesses
© 2026 Co. Buy Sell - All Rights Reserved
