America's receivables funding partner
Accounts receivable & purchase order financing for American business.
Turn unpaid invoices and confirmed purchase orders into working capital. Advances up to 95%, funding in 24–48 hours, facilities from $25,000 to $25 million — in all 50 states.
- No real-estate collateral
- Bad credit considered
- Startups welcome
- Transparent, flat fees
Direct funder
No brokers, no middlemen
24-hour funding
After account setup
Non-recourse options
Credit-risk protection
Scales with sales
Up to $25M facilities
Our solutions
Working capital built around your receivables and orders
AR vs PO: which do you need?
Accounts Receivable Financing
Turn unpaid invoices into working capital in as little as 24 hours.
- Advance
- 80%–95% of invoice value
- Cost
- 0.75%–3% per 30 days
Purchase Order Financing
Fund your suppliers and fulfill large orders without draining cash.
- Advance
- Up to 100% of supplier costs
- Cost
- 1.5%–6% per 30 days
Invoice Factoring
Sell your invoices, get paid today, and let us handle collections.
- Advance
- Up to 95% upfront
- Cost
- 1%–3.5% per 30 days
Freight Factoring
Get paid for every delivered load today — not in 30 to 60 days.
- Advance
- Up to 97% of the load
- Cost
- 1.5%–4% flat per load
$4.2B+
Funded to U.S. businesses
6,800+
Clients served
up to 95%
Advance rates
24–48 hours
Typical funding time
AR financing vs. PO financing
Both convert future customer payments into cash today — they just work at different points in your sales cycle.
| AR financing | PO financing | |
|---|---|---|
| When it's used | After you invoice | Before you deliver |
| What's funded | Your invoices | Your supplier |
| Advance | 80%–95% | Up to 100% of costs |
| Typical cost | 0.75%–3% / 30 days | 1.5%–6% / 30 days |
| Best for | Services & B2B sellers | Resellers & distributors |
How it works
From application to funding in three steps
Apply in 10 minutes
Share basic company info and a recent AR aging or purchase order.
Approval in 24–72 hours
We verify your customers and send a clear term sheet — every fee disclosed.
Funded by wire or ACH
Receive your advance, typically within 24 hours of submitting invoices.
Industries we fund
Specialists in the industries that keep America moving
Trucking & Freight
Terms: 30–60 days from brokers and shippers
Staffing Agencies
Terms: 30–60 days from clients
Manufacturing
Terms: 45–90 days from OEMs and distributors
Construction & Contractors
Terms: 45–90 days, often with retainage
Apparel & Textiles
Terms: 60–90 days from retailers
Government Contractors
Terms: 30–90 days from federal, state and local agencies
Oil & Gas Services
Terms: 60–120 days from operators
Healthcare Services
Terms: 30–90 days from facilities and payers
Wholesale & Distribution
Terms: 30–60 days from retailers and resellers
Import & Export
Terms: 60–120 days including transit
Aerospace & Defense Suppliers
Terms: 60–90 days from primes
B2B Technology & Services
Terms: 30–60 days from enterprise clients
Nationwide coverage
Funding in all 50 states and 1,000+ cities
Southwest
"We landed a $1.2M retail order we would have had to turn down. PO financing paid our supplier, and AR financing carried us to payday. It changed the trajectory of our company."
Guides & insights
Guide
What Is Accounts Receivable Financing? A Complete Guide
How accounts receivable financing works, the structures available, what it costs per 30 days, who qualifies, and how it compares with a bank line of credit.
Guide
What Is Purchase Order Financing? How PO Funding Works
A plain-English guide to purchase order financing: the transaction process, two-stage costs, margin requirements, what it will not fund, and where deals break down.
Guide
Invoice Factoring Explained: Rates, Process and Examples
How invoice factoring works in practice: the process, a worked cost example, recourse versus non-recourse, the fees to ask about, and what goes wrong.
Guide
Advance Rates and Reserves Explained
What an advance rate is, why reserves exist, how dilution and short-pays affect them, and why the highest advance rate is not always the cheapest facility.
Comparison
Factoring vs. Accounts Receivable Financing: What's the Difference?
Factoring sells your invoices; an asset-based AR line borrows against them. Compare ownership, cost, collections, notification, qualification and balance-sheet treatment.
Comparison
AR Financing vs. PO Financing: Which Do You Need?
PO financing pays your supplier before delivery; AR financing advances cash on the invoice after it. Compare timing, cost, qualification and how the two convert into each other.
Frequently asked questions
Ready to unlock your working capital?
Talk to a funding advisor today. Decisions in as little as 24 hours.