A direct funder, not a broker
National Invoice Factoring underwrites and funds every facility in-house. That sounds like a technical distinction until something goes wrong. When a broker places your file, the person you built a relationship with has no authority over the decision, the pricing or the timeline — and when a customer disputes an invoice, you are explaining the situation to someone you have never spoken to. One team owning the file from application to payoff is the difference.
It also means the terms you are quoted are the terms we fund. There is no second markup layered on by an intermediary, and no surprise at signing because the actual lender priced the risk differently.
The businesses we serve
We specialize in the sectors banks tend to decline — not because they are bad businesses, but because bank underwriting is built around historic profitability and hard collateral, and these industries have neither in the form a bank wants. A growing staffing agency has payroll and receivables, not property. A new trucking authority has a signed bill of lading, not two years of tax returns.
That is precisely the profile receivables finance is designed for. Approval rests on your customers' creditworthiness and the quality of your invoices, so companies that are young, fast-growing, or rebuilding after a difficult year qualify on the same basis as established firms.
How we work
Receivables financing in the United States runs on Article 9 of the Uniform Commercial Code. We file a UCC-1 with your state's Secretary of State to record our position in the receivables we fund, and where another lender already holds a blanket lien we arrange a payoff, subordination or carve-out before funding rather than after. For federal contract receivables we handle the Assignment of Claims process with the contracting officer.
None of that is unusual, but how early a funder raises it tells you a lot. Lien conflicts discovered at closing are the most common reason a facility slips by weeks.
What we commit to
- Every fee disclosed in writing before you sign
- A dedicated account manager for every client
- Respectful, relationship-first collections
- Decisions in 24–72 hours
- No obligation to finance every invoice
- Clear exit terms, stated up front
