Recourse or non-recourse?

Recourse is cheaper but you're on the hook if a customer doesn't pay. Non-recourse costs more and shifts that risk. The right call depends on your customers' credit.

How much of the invoice do I get, and when?

Typically 80% to 95% of the invoice value, in 24 to 48 hours once the facility is set up. The remainder, less the fee, comes to you when your customer pays.

What does it actually cost?

1% to 4% for every 30 days the invoice stays outstanding. That makes your customers' payment habits the real price driver — a slow payer costs you more than a fast one, no matter what the headline rate says.

Does my business fit this at all?

It needs commercial invoices owed by creditworthy business customers — trucking, freight, staffing, manufacturing and B2B services are the usual fits. If you sell to consumers or take payment at the point of sale, there is nothing here to factor and a line of credit is the better conversation.

Financing

Invoice Factoring

Sell your outstanding B2B invoices for an immediate cash advance, then collect the rest (minus a fee) when your customer pays. It converts net-30/60/90 receivables into cash today.

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or call (800) 655-2151

Advance80% – 95%

Speed24–48 hrs after setup

Fee1% – 4% per 30 days

Key terms

The facts, up front.

Advance rate: 80% – 95% of invoice value
Fee: 1% – 4% per 30 days outstanding
Speed: 24–48 hours once set up
Structure: Recourse or non-recourse

The true cost

See what an invoice really costs

Move the inputs to see the real numbers. We show total repaid and the effective rate — nothing hidden.

Invoice amount$50,000

Advance rate90%

Fee per 30 days3%

Days your customer takes to pay45 days

The fee is charged per 30 days or any part thereof — 2 periods at 45 days. Day 31 costs what day 60 costs.

Cash in your account at funding

$45,000

Discount fee

$3,000

Reserve released on payment

$2,000

Effective annualized cost

54.1%

A line of credit, same 45 days

$374

You keep94%Fee6%

Factoring is priced on your CUSTOMER'S credit, which is the whole case for it — a line of credit at 6.75% costs less on the same money and needs 680+ and two years from you. Effective cost is measured against the cash advanced, not the invoice face value. Rates as of September 2, 2026.

A strong fit when

Trucking, freight, staffing, and B2B service firms
Manufacturers and wholesalers waiting on net terms
Fast-growing businesses where receivables outrun cash

Probably not when

B2C or cash-only businesses without commercial invoices
A single one-time gap — a line of credit is usually cleaner

How the process actually works

Pricing scales with how long your customer takes to pay. Recourse is cheaper but you carry the non-payment risk; non-recourse costs more and shifts it. We'll show you which math wins for your customer base.

Matching runs on a soft pull; a hard pull happens only when you accept a specific offer.

Often used by

Industries that lean on this.

Transportation & Logistics

Turn freight and route invoices into same-week cash.

Manufacturing

Convert B2B invoices into cash to fund the next order.

Wholesale

Convert B2B invoices into cash to restock faster.

Marketing & Media

Turn client invoices into same-week cash.

Questions