Business Capital
Accounts Receivable Financing
Unlock cash from your outstanding invoices with accounts receivable financing. Get fast funding, improve cash flow, and grow your business without waiting for payments.
What is Accounts Receivable Financing?
Accounts receivable financing allows businesses to get immediate cash for their outstanding invoices. Instead of waiting 30, 60, or 90 days for customers to pay, you can access funds right away to cover operational expenses and growth needs.
This financing solution is particularly valuable for B2B companies with long payment cycles, as it converts your accounts receivable into immediate working capital without taking on traditional debt.
Key Benefits
Perfect For These Business Types
Manufacturing
Companies with long production cycles and extended payment terms
Transportation & Logistics
Trucking companies and logistics providers with delayed payments
Construction
Contractors and construction companies with project-based billing
Healthcare
Medical practices and healthcare providers with insurance delays
Wholesale & Distribution
Distributors and wholesalers with large order volumes
Professional Services
Consulting firms, agencies, and service providers with net terms
How AR Financing Works
1. Submit Invoices
Submit your outstanding invoices to the financing company for review and approval.
2. Get Cash Advance
Receive up to 90% of your invoice value within 24-48 hours of approval.
3. Customer Pays
Your customers pay the financing company when invoices are due.
4. Receive Balance
Get the remaining balance minus financing fees once payment is received.
Typical Terms
Types of AR Financing
Invoice Factoring
Sell your invoices to a factoring company for immediate cash
Invoice Discounting
Borrow against your invoices while maintaining control of collections
Asset-Based Lending
Use receivables as collateral for a revolving line of credit
Selective Invoice Financing
Finance individual invoices as needed for flexibility
AR Secured Loans
Traditional loans secured by your accounts receivable
Spot Factoring
One-time financing for specific invoices or projects
AR Financing Requirements
AR financing requirements focus on the quality of your receivables and your customers' creditworthiness rather than your business's financial history. This makes it an excellent option for businesses with strong customers but limited credit history.
The key is having reliable customers who pay their bills on time and invoices that are properly documented and collectible.
Key Requirements
B2B Invoices
Must be business-to-business transactions
Creditworthy Customers
Your customers' credit matters more than yours
No Contested Invoices
Invoices must be undisputed and collectible
Minimum Volume
Most require $10K+ monthly invoice volume
Ready to Finance Your Receivables?
Unlock cash from your outstanding invoices and improve your cash flow. Connect with AR financing providers today.