What does a Charlotte factoring company charge?

Invoice factoring typically costs 1%–3.5% per 30 days, freight factoring 1.5%–4% per load, AR financing 0.75%–3% and PO financing 1.5%–6% per 30 days.

How fast can I get funded in Charlotte?

Account setup takes 2–3 business days. After that, most Charlotte clients are funded within 24 hours of submitting invoices.

Which Charlotte businesses use factoring?

We see strong demand from manufacturing, apparel, tech & services, trucking companies across the Charlotte area.

Charlotte, North Carolina

Factoring company in Charlotte, NC

Same-day working capital for Charlotte businesses — invoice factoring, freight factoring, AR and PO financing from a direct funder.

Quick answer

National Invoice Factoring serves Charlotte, NC businesses with advances up to 95% (97% for freight), funding within 24 hours after setup and transparent fees. Call (929) 658-8087 or apply online.

Funding programs for Charlotte businesses

Accounts Receivable Financing in Charlotte

80%–95% of invoice value · 0.75%–3% per 30 days

Purchase Order Financing in Charlotte

Up to 100% of supplier costs · 1.5%–6% per 30 days

Invoice Factoring in Charlotte

Up to 95% upfront · 1%–3.5% per 30 days

Freight Factoring in Charlotte

Up to 97% of the load · 1.5%–4% flat per load

Why Charlotte companies choose a direct funder

Decisions in 24–72 hours, not weeks
No real-estate collateral or perfect credit required
Free credit checks on your customers and brokers
Every fee disclosed in writing before you sign
Dedicated account manager who knows your business

The Charlotte business landscape

Charlotte is home to roughly 793,000 people and sits in an economy driven by textiles, furniture, banking and Research Triangle tech. Key industries we fund locally include manufacturing, apparel & textiles, b2b technology & services, trucking & freight.

Serving all of greater Charlotte and North Carolina.

(929) 658-8087

Frequently asked questions

Yes. National Invoice Factoring funds Charlotte, NC businesses with a dedicated account manager by phone and online — no office visit needed, and funding is often same day.

North Carolina guides

AR Financing in North Carolina: 2026 Owner's Guide PO Financing in North Carolina: Funding Big Orders Choosing a Factoring Company in North Carolina Factoring & AR Financing in Charlotte, NC Factoring & AR Financing in Raleigh, NC

Ready to unlock your working capital?

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