AR Financing for East Bakersfield businesses
An older commercial and light industrial area east of downtown Bakersfield along Baker and Niles streets, holding trades contractors, distributors and repair businesses that extend credit to commercial customers. National Invoice Factoring provides accounts receivable financing to companies operating in East Bakersfield, advancing 80%–95% of invoice value so payroll, materials and growth aren't gated by your customers' payment terms.
California's wider economy runs on the nation's largest economy, from LA ports and apparel to Silicon Valley tech and Central Valley agriculture, and East Bakersfield feeds into that supply chain. Approval here rests on your customers' credit rather than your own balance sheet, so younger companies in Bakersfield qualify alongside established ones.
Everything is handled online and by phone — there's no branch to visit in East Bakersfield, and no requirement to pledge real estate. Facilities run from $25,000 to $25 million and grow as your invoicing grows.
How it works in East Bakersfield
- 1.Deliver and invoice. You complete the work or ship the goods and invoice your customer as usual.
- 2.Submit the invoice. Upload invoices through our portal. We verify them with your customer.
- 3.Receive your advance. We wire 80%–95% of the invoice value to your account, typically within 24 hours.
- 4.Get the rebate. When your customer pays, we release the remaining balance minus our fee.
Why East Bakersfield companies choose National Invoice Factoring
- 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 East Bakersfield businesses need to apply
Applying takes about ten minutes. Most East Bakersfield companies already have everything on this list, 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
