What does a Phoenix 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 Phoenix?

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

Which Phoenix businesses use factoring?

We see strong demand from construction, manufacturing, healthcare, staffing companies across the Phoenix area.

Phoenix, Arizona

Factoring company in Phoenix, AZ

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

Quick answer

National Invoice Factoring serves Phoenix, AZ 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 Phoenix businesses

Accounts Receivable Financing in Phoenix

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

Purchase Order Financing in Phoenix

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

Invoice Factoring in Phoenix

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

Freight Factoring in Phoenix

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

Why Phoenix 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 Phoenix business landscape

Phoenix is home to roughly 1.5 million people and sits in an economy driven by semiconductor manufacturing, construction and healthcare growth. Key industries we fund locally include construction & contractors, manufacturing, healthcare services, staffing agencies.

Serving all of greater Phoenix and Arizona.

(929) 658-8087

Frequently asked questions

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

Arizona guides

AR Financing in Arizona: 2026 Owner's Guide PO Financing in Arizona: Funding Big Orders Choosing a Factoring Company in Arizona Factoring & AR Financing in Phoenix, AZ Factoring & AR Financing in Tucson, AZ Factoring & AR Financing in Mesa, AZ

Ready to unlock your working capital?

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