AR Financing for Temescal businesses
A Telegraph Avenue district of small manufacturers, food producers and creative firms whose wholesale and commercial customers buy on open accounts, leaving owners to finance production before payment arrives. National Invoice Factoring provides accounts receivable financing to companies operating in Temescal, 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 Temescal feeds into that supply chain. Approval here rests on your customers' credit rather than your own balance sheet, so younger companies in Oakland qualify alongside established ones.
Everything is handled online and by phone — there's no branch to visit in Temescal, 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 Temescal
- 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 Temescal 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 Temescal businesses need to apply
Applying takes about ten minutes. Most Temescal 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
