What does a New York 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 New York?

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

Which New York businesses use factoring?

We see strong demand from apparel, staffing, import/export, tech & services companies across the New York area.

New York, New York

Factoring company in New York, NY

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

Quick answer

National Invoice Factoring serves New York, NY 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 New York businesses

Accounts Receivable Financing in New York

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

Purchase Order Financing in New York

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

Invoice Factoring in New York

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

Freight Factoring in New York

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

Why New York 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 New York business landscape

New York is home to roughly 8.4 million people and sits in an economy driven by New York City's fashion, media, staffing and import trade. Key industries we fund locally include apparel & textiles, staffing agencies, import & export, b2b technology & services.

Serving all of greater New York and New York.

(929) 658-8087

Frequently asked questions

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

New York guides

AR Financing in New York: 2026 Owner's Guide PO Financing in New York: Funding Big Orders Choosing a Factoring Company in New York Factoring & AR Financing in New York, NY

Ready to unlock your working capital?

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