National InvoiceFactoring
Accounts Receivable Financing business financing

Nationwide program

Accounts Receivable Financing

Turn unpaid invoices into working capital in as little as 24 hours.

  • No real-estate collateral or personal-asset pledges required
  • Facility grows automatically as your sales grow
  • Approval based on your customers' credit, not just yours
  • Recourse and non-recourse options
Advance
80%–95% of invoice value
Cost
0.75%–3% per 30 days
Funding
24–48 hours after approval

Get a free funding quote

No obligation. No impact on your credit.

What is accounts receivable financing?

Accounts receivable (AR) financing gives your business an advance against invoices you've already issued to commercial or government customers. Instead of waiting 30, 60 or 90 days for payment, you receive most of the invoice value now and the balance — minus a small fee — when your customer pays.

Because approval is based mainly on the credit strength of your customers rather than your own balance sheet, AR financing is available to young companies, fast-growing companies and businesses that don't fit a bank's lending box.

Benefits

  • No real-estate collateral or personal-asset pledges required
  • Facility grows automatically as your sales grow
  • Approval based on your customers' credit, not just yours
  • Recourse and non-recourse options
  • Credit checks and collections support included
  • Doesn't add long-term debt to your balance sheet

Who qualifies

  • You sell to other businesses or government agencies (B2B / B2G)
  • Invoices are for completed work or delivered goods
  • Customers have reasonable commercial credit
  • No unresolved tax liens that prevent a first-position UCC filing

What you'll need to apply

Applying takes about ten minutes, and nothing here affects your personal credit score.

  • An accounts receivable aging report
  • A sample invoice and the matching purchase order or contract
  • A list of the customers you want to finance
  • Articles of incorporation and your EIN
  • A voided business check and photo ID for each owner

How accounts receivable financing works

  1. 1

    Deliver and invoice

    You complete the work or ship the goods and invoice your customer as usual.

  2. 2

    Submit the invoice

    Upload invoices through our portal. We verify them with your customer.

  3. 3

    Receive your advance

    We wire 80%–95% of the invoice value to your account, typically within 24 hours.

  4. 4

    Get the rebate

    When your customer pays, we release the remaining balance minus our fee.

Worked example

What accounts receivable financing actually costs

A $100,000 invoice financed at a 90% advance and 1.5% per 30 days, paid by the customer on day 30.

Illustrative figures. Your advance rate and fee are confirmed in a written term sheet before you sign anything.

Invoice amount$100,000
Advance rate90%
Paid to you upfront$90,000
Fee at 1.5% for 30 days$1,500
Reserve released on payment$8,500

You receive $98,500 of the $100,000 invoice, at a total cost of $1,500.

Compare your options

AR Financing vs. PO Financing

Both turn future customer payments into cash today. They differ in when they apply, what they fund and what they cost.

AR FinancingPO Financing
Advance80%–95% of invoice valueUp to 100% of supplier costs
Typical cost0.75%–3% per 30 days1.5%–6% per 30 days
Funding speed24–48 hours after approval5–10 business days for first deal
Best forB2B companies with creditworthy customers on 30–90 day termsDistributors, wholesalers, importers and resellers with confirmed POs
Read the full comparison

$4.2B+

Funded to U.S. businesses

6,800+

Clients served

up to 95%

Advance rates

24–48 hours

Typical funding time

Industry programs

Who uses AR financing most

These sectors sell on the longest terms, which is where AR financing returns the most value.

Staffing Agencies invoice financing

Staffing Agencies

Paid in 30–60 days from clients

You pay temporary workers weekly while client invoices sit for 30 to 60 days — the faster you grow, the bigger the gap.

Payroll funding advances against your weekly timesheets so placements never stall for lack of cash.

  • Weekly payroll
  • Payroll taxes
  • Workers' comp
Staffing financing
Manufacturing invoice financing

Manufacturing

Paid in 45–90 days from OEMs and distributors

Raw materials, labor and machine time are paid upfront while OEM customers stretch terms to 60 or 90 days.

AR financing unlocks cash tied up in shipped orders, while PO financing can fund materials for large new contracts.

  • Raw materials
  • Production payroll
  • Equipment uptime
Manufacturing financing
Government Contractors invoice financing

Government Contractors

Paid in 30–90 days from federal, state and local agencies

Agencies are reliable but slow payers, and new contract awards require immediate staffing and supplies.

Government receivables financing advances against approved agency invoices, with Assignment of Claims support.

  • Contract mobilization
  • Cleared-staff payroll
  • Supplies & equipment
Gov Contracting financing
Light-industrial staffing firm makes weekly payroll on time

Client scenario

Light-industrial staffing firm makes weekly payroll on time

Challenge
A new client with net-60 terms doubled payroll overnight.
Solution
Payroll funding against weekly invoices, with credit checks on new clients.
Outcome
Took on the contract without missing a payroll.

Illustrative example based on a typical client situation, not a specific named client.

See the program

Free calculator

Factoring Cost Calculator

Estimate your upfront cash, total fee and effective cost when you factor an invoice.

Open the calculator

Keep reading

Browse every financing guide

Rates, eligibility, comparisons and industry playbooks across AR, PO and factoring.

Read the guide

Accounts Receivable Financing by state

AR Financing in AlabamaAR Financing in AlaskaAR Financing in ArizonaAR Financing in ArkansasAR Financing in CaliforniaAR Financing in ColoradoAR Financing in ConnecticutAR Financing in DelawareAR Financing in FloridaAR Financing in GeorgiaAR Financing in HawaiiAR Financing in IdahoAR Financing in IllinoisAR Financing in IndianaAR Financing in IowaAR Financing in KansasAR Financing in KentuckyAR Financing in LouisianaAR Financing in MaineAR Financing in MarylandAR Financing in MassachusettsAR Financing in MichiganAR Financing in MinnesotaAR Financing in MississippiAR Financing in MissouriAR Financing in MontanaAR Financing in NebraskaAR Financing in NevadaAR Financing in New HampshireAR Financing in New JerseyAR Financing in New MexicoAR Financing in New YorkAR Financing in North CarolinaAR Financing in North DakotaAR Financing in OhioAR Financing in OklahomaAR Financing in OregonAR Financing in PennsylvaniaAR Financing in Rhode IslandAR Financing in South CarolinaAR Financing in South DakotaAR Financing in TennesseeAR Financing in TexasAR Financing in UtahAR Financing in VermontAR Financing in VirginiaAR Financing in WashingtonAR Financing in West VirginiaAR Financing in WisconsinAR Financing in Wyoming

How it works

From application to funding in three steps

Apply in 10 minutes
01

Apply in 10 minutes

Share basic company info and a recent AR aging or purchase order.

Approval in 24–72 hours
02

Approval in 24–72 hours

We verify your customers and send a clear term sheet — every fee disclosed.

Funded by wire or ACH
03

Funded by wire or ACH

Receive your advance, typically within 24 hours of submitting invoices.

Accounts Receivable Financing FAQs

Accounts receivable financing is a funding method where a business receives an advance — typically 80% to 95% — against its unpaid B2B invoices. The lender is repaid when the business's customers pay those invoices.

Other programs

AR Financing isn't the only option

Each program solves a different point in the cash-flow cycle. Compare the terms side by side.

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
Funding
5–10 business days for first deal
Explore PO Financing

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
Funding
Same day to 24 hours
Explore Invoice Factoring

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
Funding
Same day after delivery
Explore Freight Factoring

Ready to unlock your working capital?

Talk to a funding advisor today. Decisions in as little as 24 hours.

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