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  • A/R Based Financing

Turn Unpaid Invoices Into Immediate Working Capital

Waiting on payments? Don’t let slow-paying customers stall your cash flow. With Accounts Receivable (A/R) Financing, you can unlock capital tied up in unpaid invoices — giving your business fast access to the funds it needs to operate and grow.

Whether you’re managing Net 30 or Net 90 terms, we help you get paid sooner so you can stop chasing receivables and start moving forward.

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A/R Financing Snapshot

Funding Amounts

$10K – $5M

Advance Rate

Up to 90% of invoice value

Funding Speed

Less than 1 week

Credit Pull

Soft

Fees

1% – 4% per invoice

Why Choose A/R Financing?

Get Paid Faster

Access funds as soon as invoices are submitted — no more waiting on customers.

Flexible & Scalable

Your funding potential grows with your outstanding receivables.

Quick access to Capital

Approvals are typically processed within a week, getting you access to your money fast.

Simple, Revolving Access

Use it when you need it — and free up time to focus on your business.

How It Works

1. Submit Invoices

Use invoices with Net 15, 30, or 90 terms from customers with a reliable payment history.

2. Get Approved

As long as the invoices meet requirements, we’ll advance up to 90% of their value.

3. Access Funds

Receive cash in your business account in as little as 24 hours.

4. Customer Pays

When your client pays the invoice, the remainder is released to you (minus the fee).

What You’ll Need to Apply

  • Basic credit application
  • Recent business bank statements
  • Government-issued photo ID
  • Business financial statements
  • Business tax returns
  • Accounts receivable aging report
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FAQs

Accounts Receivable financing lets you turn unpaid invoices into working capital. Instead of waiting 30, 60, or 90 days for customers to pay, you get up to 95% of the invoice value right away — keeping your cash flow strong.
Once approved, you can receive funds in your account in as little as 24 hours after submitting invoices.
Not necessarily — in many cases, the process can be managed discreetly so your customer relationship stays exactly the same.
You’ll need to be a B2B or B2G business with commercial invoices. We work with companies across industries that have reliable customers on Net 15, 30, or 90 terms.
Funding amounts typically range from $10K to $5M, depending on the value of your receivables and customer payment history.
Fees usually range from 1% to 4% per invoice, and you’ll always know the terms upfront.
No. Our application process uses a soft credit pull, so there’s no impact on your personal credit score.
You’ll need a basic credit application, 3 most recent business bank statements, government-issued photo ID, financial statements, tax returns, detailed customer list, business debt schedule, sample open invoice, sample open contract or purchase order, and an accounts receivable aging report.