AR Financing for San Lorenzo businesses
A postwar community between Oakland and Hayward where small manufacturers, trade contractors and transport operators serve East Bay industrial customers that pay well after goods and services are delivered. National Invoice Factoring provides accounts receivable financing to San Lorenzo businesses, 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 San Lorenzo feeds into that supply chain. Approval here rests on your customers' credit rather than your own balance sheet, so younger companies across the Oakland metro qualify alongside established ones.
Everything is handled online and by phone — there's no branch to visit in San Lorenzo, 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 San Lorenzo
- 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 San Lorenzo 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 San Lorenzo businesses need to apply
Applying takes about ten minutes. Most San Lorenzo 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
