Factoring &
Asset-Based Lending.
Factoring turns unpaid invoices into cash: a funder advances most of each invoice's value and is repaid when your customer pays. Asset-based lending (ABL) is a revolving line secured by receivables, inventory and equipment, and SCS structures and places both.
Capital you have already earned, released on your timeline. We underwrite the debtor — not just the borrower — so growth is financed by your own receivables.
How do factoring and
asset-based lending work?
Invoice factoring converts outstanding receivables into immediate working capital. Unlike traditional lending, factoring underwriting focuses on the creditworthiness of your customers — not solely your own credit profile.
Asset-based lending (ABL) provides revolving credit secured by receivables, inventory, and equipment. Borrowing capacity scales with your assets as your business grows.
How much do factoring and ABL advance, and how fast?
| Factoring Range | $50,000 — $50,000,000 |
|---|---|
| ABL Range | $250,000 — $15,000,000+ |
| Advance Rate | 70 — 95% of eligible receivables |
| Facility Setup | One-time underwriting, 3 — 5 business days |
| Funding Speed | 24 — 48 hours per invoice, every time, once the facility is live |
| Minimum Revenue | $100,000/month receivables |
Who is A/R financing
a good fit for?
Net-30 to Net-90 Terms
When customers dictate payment terms, factoring restores control of the cash cycle without adding term debt to the balance sheet.
Credit-Constrained Growth
Approval is anchored to your customers' credit. Young companies and thin-file operators with strong debtors qualify where conventional lending does not.
Scaling Order Books
An ABL line grows as receivables, inventory, and equipment grow — capacity expands with the business instead of being renegotiated each year.
What do I need to apply
for A/R financing?
Receivables Review
We analyze your aging report, debtor concentration, and invoice terms to establish eligible collateral and a realistic advance rate.
Facility Structure
Factoring, ABL, or a hybrid line is selected on the analysis — priced on debtor quality, not on how urgently you need the capital or on what a funder happens to hold.
Funding
Underwriting the facility takes 3 to 5 business days, once. After that approval, every invoice you submit funds in 24 to 48 hours at 70 — 95% of face value — not just the first one — with the reserve released on customer payment.
Ongoing Architecture
The facility is reviewed as your book grows, and we manage the path toward SBA or strategic term structures when the profile supports it.
Focus industriesHow receivables financing works for manufacturers.
Common questions about
factoring and ABL
What is invoice factoring?
Invoice factoring converts outstanding receivables into immediate working capital.
Unlike traditional lending, factoring underwriting focuses on the creditworthiness of your customers rather than solely your own credit profile, which is why it reaches operators conventional lending does not.
What is the difference between factoring and asset-based lending?
Factoring advances cash against specific invoices, while asset-based lending provides a revolving credit line secured by receivables, inventory, and equipment.
An ABL line grows as those assets grow, so capacity expands with the business instead of being renegotiated each year.
How much of an invoice is advanced?
Advance rates run 70 to 95% of eligible receivables.
The remaining reserve is released when your customer pays. The exact rate is set by debtor quality, invoice terms, and concentration in your aging report.
How fast do invoices fund?
Once your facility is live, every invoice you submit funds in 24 to 48 hours.
That speed is recurring, not a one-time event, and it applies to each invoice for the life of the facility. Setting the facility up comes first: underwriting your aging report, debtor concentration, and invoice terms takes 3 to 5 business days, once. The 24-to-48-hour clock applies after that approval, so funding becomes a repeatable operational process rather than a new credit decision each time.
What are the minimums?
The baseline is $100,000 per month in receivables.
Factoring facilities run from $50,000 to $50,000,000, and ABL facilities run from $250,000 to $15,000,000 and above.
Can a young company with thin credit qualify?
Yes. Approval is anchored to your customers' credit rather than your own.
Young companies and thin-file operators with strong debtors qualify where conventional lending does not, because the strength sits in the receivable.
Find out what your
receivables will release.
A short assessment tells us your invoice terms, debtor mix, and monthly volume — enough to return a structured factoring or ABL recommendation within 24 hours.
Begin Capital Assessment →