Turn Your Unpaid Invoices Into Immediate Cash Flow
Why wait 30, 60, or 90 days to get paid? Sell your outstanding B2B invoices and receive up to 95% of the invoice value within 24 hours. No debt. No monthly payments. No credit score requirements.
Invoice Factoring Details
How Invoice Factoring Works
Submit Invoices
Upload your outstanding B2B or government invoices to our portal. We review the invoices and your customers' creditworthiness.
Receive Advance
Within 24 hours, we advance you up to 95% of the invoice face value directly to your bank account.
We Collect Payment
Our team manages collections from your customers professionally and discreetly. Your customer relationships stay intact.
Get Remainder
When your customer pays the full invoice, we release the remaining balance minus our small factoring fee.
Example: $50,000 Invoice
Industries That Benefit Most
Trucking & Transportation
Fuel costs, driver wages, and maintenance can't wait 60 days. Factor freight invoices to keep your fleet rolling.
Construction & Contractors
Bridge the gap between project milestones. Factor progress billings to cover materials and subcontractor payments.
Staffing & Recruiting
Pay your placed employees weekly while clients pay on net-30/60 terms. Factoring keeps your payroll funded.
Manufacturing
Raw materials and production costs are upfront. Factor invoices to cover supplier payments and maintain production schedules.
Business Services & IT
Professional services with long payment cycles. Convert completed project invoices into immediate working capital.
Government Contractors
Government payments are reliable but slow. Factor government invoices with confidence — lowest risk, best rates.
Invoice Factoring vs. Traditional Loans
Invoice Factoring
- Not a loan — no debt on your balance sheet
- Based on your customer's credit, not yours
- No personal credit score minimums
- Scales with your revenue automatically
- 24-hour funding
- No long-term contracts required
- No collateral needed beyond invoices
Traditional Bank Loan
- Creates debt on your balance sheet
- Requires strong personal credit (680+)
- Lengthy application process (2-8 weeks)
- Fixed amount — doesn't scale
- Collateral often required
- Long-term commitment
- Monthly payments regardless of revenue
Invoice Factoring FAQ
Will my customers know I'm factoring?
Factoring involves a notification to your customers that payments should be directed to the factoring company. However, this is standard business practice. We handle all communications professionally and many customers are already familiar with the process.
What if my customer doesn't pay?
We offer both recourse and non-recourse factoring. With non-recourse factoring, we absorb the credit risk if your customer becomes insolvent. With recourse factoring, you may need to repurchase unpaid invoices after a defined period (typically 90 days).
Do I need to factor all my invoices?
No. You choose which invoices to factor and when. There's no requirement to factor your entire accounts receivable portfolio. Factor $5,000 this week and $50,000 next month — it's completely flexible.
How much does invoice factoring cost?
Factoring fees typically range from 1-5% of the invoice face value, depending on invoice size, customer creditworthiness, and payment terms. High-volume factoring or government invoices often qualify for rates under 2%.
Is invoice factoring the same as accounts receivable financing?
They're related but different. Factoring involves selling your invoices to us. AR financing uses your invoices as collateral for a loan. Factoring is not a loan — it doesn't create debt on your balance sheet.
Stop Waiting for Payment. Get Cash Now.
Submit your invoices today and receive up to 95% within 24 hours.
Submit InvoicesInvoice factoring is subject to approval based on the creditworthiness of your customers and invoice verification. Advance rates, fees, and terms vary. TrustScore Business Funding connects businesses with factoring partners and is not a direct factor. Examples shown are illustrative and not guaranteed. TrustScore, LLC, 1342 NM 333, Tijeras, NM 87059.