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VIEW PRODUCT DEEP DIVE Invoice Factoring
B2B businesses with slow-paying customers
24-hour approvals Soft credit review Transparent comparisons
Funding window open
Get the capital your business needs to move forward.
Compare fifteen funding programs through one secure application. Fast decisions, clear terms, and options built for real business circumstances.
Fast decisions
Funding available in as little as 24 hours.
One application
Explore multiple programs without a hard credit pull.
Check Your Eligibility
Fast, secure application · no hard credit pull
15
Funding products
500
Lowest FICO served
24 hr
Fastest funding
2
Documents to start
Compare your options
The Product Matrix
Every business financing structure available in the U.S. market, with 2026 benchmark pricing. Prime sits near 7.5%; ranges below move with it.
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Benchmarks compiled from published 2026 lender pricing. Indicative ranges, not offers.
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Know before you choose
Product Deep Dives
One focused product at a time. Compare structure, underwriting, and the term most borrowers miss before moving to the next option.
COMPARE ALL 15 PRODUCTS ↑01 / 15
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Invoice Factoring
B2B businesses with slow-paying customers
- Maximum
- Up to 90% of invoice
- Min. FICO
- None
- Funding
- 24 hours
- Time in business
- 3 months
You sell the invoice, not your credit. The factor underwrites your customer's ability to pay, which is why a six-month-old company invoicing a Fortune 500 buyer can fund faster than a ten-year-old company with thin credit.
- Cost
- 1%–5% per invoice
- Repayment
- When the customer pays
- Collateral
- The receivable
What underwriting wants
- —B2B or B2G invoices for delivered work
- —Creditworthy customers
- —No existing lien on receivables
- —Aged receivables report
Use the arrows, number rail, or keyboard arrow keys to move through all 15 products.
A clear path to capital
From application to options in three steps
01
Secure Application
Submit your business vitals through our encrypted portal. We read cash flow, deposit consistency and receivable quality — not just a credit score.
02
Targeted Lender Match
Your file goes only to lenders whose published credit box you actually fit, across all fifteen product types. No broker-network blast, no flood of cold calls.
03
Side-by-Side Terms
You get a written comparison with every factor rate converted to APR, all fees itemized, and the cheapest viable structure named first — even when it earns us less.
Keep it simple
Document Checklist
Assemble these two items once and you can apply to every product on this page without a second scramble.
- 01Completed application
- 02Last 3-4 business bank statements
Straight answers
Questions borrowers actually ask
- Will applying hurt my credit score?
- No. The qualification form runs a soft review of business cash flow only. A hard inquiry occurs only if you accept a specific lender's term sheet and move to final underwriting — and you will be told before that happens.
- My credit is under 600 and I've had a default. Am I wasting my time?
- No. Roughly half of the products on this page — invoice factoring, purchase order financing, equipment financing, asset-based lending, merchant advances and CDFI microloans — weight collateral, receivables or deposits far more heavily than FICO. Several have no credit minimum at all.
- What is the difference between a factor rate and an APR?
- A factor rate multiplies the amount borrowed: $100,000 at 1.30 means $130,000 repaid, full stop. APR annualizes the cost over the repayment window. A 1.30 factor repaid over six months is roughly a 100% APR; over eighteen months, roughly 33%. Always convert before comparing offers.
- Do I have to sign a personal guarantee?
- For most products under $5M, yes. Invoice factoring, purchase order financing and some revenue-based facilities are the usual exceptions, since the receivable or revenue stream carries the risk.
- What documents should I gather before applying?
- A completed application and your last 3-4 business bank statements. That is the full intake package we need to match you to the right product.
- How many lenders will see my application?
- Only the ones whose published credit box your profile actually fits. We do not blast files across a broker network — that is what produces the flood of calls most business owners associate with online lending.
Find out which of the fifteen you qualify for.
Soft review, written comparison, one business day.