How quickly can a Downtown Crossing business be funded?

Most Boston applicants are approved in 2–3 business days. Once your account is live, invoices are funded same day to 24 hours.

What does invoice factoring cost in Downtown Crossing?

Typically 1%–3.5% per 30 days, with up to 95% upfront advanced. Location doesn't change pricing — your rate is set by monthly volume, your customers' credit and how quickly they pay.

Which Downtown Crossing businesses use invoice factoring most?

Around Downtown Crossing we see the most demand from distribution, security, janitorial companies, plus professional services firms and B2B suppliers billing on net-30 to net-90 terms.

Do I need an office in Downtown Crossing to qualify?

No. What matters is that your business is US-registered and invoices creditworthy commercial or government customers. Home-based and mobile operators across Boston qualify on the same basis.

Can I finance invoices to customers outside Massachusetts?

Yes. Your customers can be anywhere in the United States — several of our Massachusetts clients invoice nationally. We assess each customer's credit, not their location.

Commercial corridor · Boston, MA

Invoice Factoring in Downtown Crossing

Sell your invoices, get paid today, and let us handle collections.

Serving Downtown Crossing and all of Boston
Up to 95% upfront advanced, same day to 24 hours
Specialists in distribution receivables
Approval based on your customers' credit

Advance: Up to 95% upfront
Cost: 1%–3.5% per 30 days
Funding: Same day to 24 hours

Invoice Factoring for Downtown Crossing businesses

If your business runs out of Downtown Crossing, invoice factoring turns the invoices you've already issued into working capital. A pedestrian retail and office area in central Boston where wholesalers, facility contractors and security providers serve stores and offices whose parent companies settle invoices on corporate schedules.

Massachusetts's wider economy runs on biotech, healthcare, higher-ed services and advanced manufacturing, and Downtown Crossing feeds into that supply chain. Approval here rests on your customers' credit rather than your own balance sheet, so younger companies in Boston qualify alongside established ones.

Everything is handled online and by phone — there's no branch to visit in Downtown Crossing, 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 Downtown Crossing

1.Choose invoices. Select which invoices to factor — all of them or just a few big ones.
2.Verification. We confirm the invoice with your customer and run a quick credit check.
3.Same-day advance. Receive up to 95% of the invoice value by ACH or wire.
4.We collect. Your customer pays us; we send you the remaining reserve minus the factoring fee.

Why Downtown Crossing companies choose National Invoice Factoring

Same-day funding for established clients
Spot factoring or full-ledger options
Free customer credit checks
Professional, relationship-friendly collections
Fuel advances and quick-pay for carriers
No long-term contracts on select programs

Who qualifies

B2B or B2G invoices for completed work
Customers with acceptable payment history
Business registered in the United States
Invoices free of other liens or able to be subordinated

What Downtown Crossing businesses need to apply

Applying takes about ten minutes. Most Downtown Crossing companies already have everything on this list, and nothing here affects your personal credit score.

An accounts receivable aging report
The invoices you want to factor, with proof of delivery or completion
A customer list with contact details for verification
Articles of incorporation and your EIN
A voided business check and photo ID for each owner

Downtown Crossing at a glance

District	Downtown Crossing
Type	Commercial corridor
City	Boston, MA
Service	Invoice Factoring
Advance	Up to 95% upfront
Funding	Same day to 24 hours

Around Downtown Crossing

Washington Street
Summer Street
Boston Common

Talk to a funding advisor

Find out what you qualify for in Downtown Crossing

A short conversation is enough to size a facility. No obligation, and no impact on your credit.

(929) 658-8087

Mon–Fri 8am–7pm ET

Downtown Crossing sectors

Industries we fund in Downtown Crossing

These are the sectors most active in this commercial corridor, and the ones whose customers pay on the longest terms.

Wholesale & Distribution

Paid in 30–60 days from retailers and resellers

Distributors buy inventory upfront and extend credit to retailers, squeezing cash between both ends.

A combined PO + AR facility funds supplier purchases and then advances on the resulting invoices.

Inventory buys
Supplier deposits
Large retail orders

Distribution financing

Security Guard Companies

Paid in 30–60 days from property managers and contractors

Guards are paid weekly while property managers, event venues and general contractors pay in 30 to 60 days.

Security guard factoring advances against weekly invoices so payroll, uniforms and licensing are always covered.

Guard payroll
Licensing & insurance
Uniforms & equipment

Security financing

Janitorial & Facility Services

Paid in 30–60 days from commercial clients

Cleaning crews and supplies are paid upfront while offices, schools and hospitals pay on extended terms.

Janitorial factoring turns completed-service invoices into cash so you can staff new building contracts.

Crew payroll
Supplies
Equipment

Janitorial financing

Worked example

What invoice factoring costs in Downtown Crossing

A $50,000 invoice factored at a 90% advance and 2% per 30 days, paid by the customer on day 30.

Illustrative figures. Your advance rate and fee are confirmed in a written term sheet before you sign anything.

Invoice amount	$50,000
Advance rate	90%
Paid to you upfront	$45,000
Factoring fee at 2%	$1,000
Reserve released on payment	$4,000

You receive $49,000 of the $50,000 invoice, at a total cost of $1,000.

Compare your options

Invoice Factoring or AR Financing for your Downtown Crossing business?

Both turn future customer payments into cash today. They differ in when they apply, what they fund and what they cost.

	Invoice Factoring	AR Financing
Advance	Up to 95% upfront	80%–95% of invoice value
Typical cost	1%–3.5% per 30 days	0.75%–3% per 30 days
Funding speed	Same day to 24 hours	24–48 hours after approval
Best for	Trucking, staffing, manufacturing, construction and service firms	B2B companies with creditworthy customers on 30–90 day terms

Read the full comparison

Distribution scenario

Distributor fills a $1.2M retail order

Challenge: A national retailer issued a PO far larger than the distributor's cash on hand.
Solution: PO financing paid the supplier; AR financing bridged the retailer's 60-day terms.
Outcome: Order delivered on time and the account became recurring.

Illustrative example based on a typical client situation, not a specific named client.

See the program

How it works

From application to funding in three steps

Apply in 10 minutes

Share basic company info and a recent AR aging or purchase order.

Approval in 24–72 hours

We verify your customers and send a clear term sheet — every fee disclosed.

Funded by wire or ACH

Receive your advance, typically within 24 hours of submitting invoices.

Boston districts

Invoice Factoring in other Boston districts

We cover every commercial district in Boston. Pick the one closest to your operation.

Business district

Back Bay

A commercial district of office towers, showrooms and professional practices west of downtown Boston, where service vendors and staffing firms invoice corporate tenants and institutions on standard net terms.

Port & logistics district

Charlestown

A waterfront Boston neighborhood with marine terminals, auto-import berths and rail-served yards along the Mystic River, where logistics and marine service firms invoice carriers on extended terms.

Neighborhood

East Boston

A harbor-side Boston neighborhood built around Logan International Airport and older waterfront industry, where ground-handling, trucking and facility-services contractors bill airlines and agencies on slow commercial cycles.

Business district

Financial District

Boston's downtown core of banking, legal and professional offices, where staffing agencies, security firms and cleaning contractors serve building tenants that process invoices through corporate accounts-payable queues.

Business district

Longwood Medical Area

A concentrated cluster of teaching hospitals, research institutes and medical schools in Boston, where clinical staffing agencies, supply distributors and support contractors bill institutions that pay well after service.

Industrial district

Newmarket Square

Boston's wholesale food and distribution district south of downtown, where produce, meat and seafood wholesalers sell to restaurants, grocers and institutions that buy on credit and pay weeks later.

Commercial corridor

Nubian Square

A commercial center in Roxbury with small businesses, trades contractors and community institutions, where firms working on public and nonprofit contracts wait through municipal and grant-funded payment approvals.

Port & logistics district

Raymond L. Flynn Marine Park

A city-owned maritime industrial park on the South Boston waterfront housing seafood processors, cold storage and cargo operations whose buyers and shipping customers settle invoices long after product leaves the dock.

Business district

Seaport District

A redeveloped waterfront office and laboratory district in South Boston where technology tenants, construction crews and service contractors work against enterprise and institutional payment cycles running sixty days or longer.

Boston metro

Towns and suburbs we fund around Boston

We serve the whole Boston metro, not just the city limits — including the towns below.

Suburb

Arlington

A dense inner suburb along Massachusetts Avenue where building trades, home-service companies, professional practices and small technology firms work from storefronts and offices, billing project owners, insurers and corporate clients on delayed terms.

Suburb

Bedford

A suburb beside Hanscom Field where defense electronics, laboratory services and research-support firms operate along Crosby Drive, billing federal programs and prime contractors on invoices that clear long after the work is performed.

Suburb

Belmont

A residential suburb between Cambridge and the Route 2 corridor where medical and professional practices, remodeling contractors and consulting firms serve institutional and household clients, invoicing insurers and corporate payers on monthly schedules.

Suburb

Billerica

A Middlesex County suburb of industrial parks along Route 3 where instrumentation makers, metal fabricators, packaging suppliers and distribution operators ship to manufacturers and institutions that pay purchase orders on extended terms.

Suburb

Braintree

A south-shore suburb at the Route 3 split where wholesale distribution, retail support services, building trades and professional firms work along Granite Street, invoicing chains, developers and corporate accounts on monthly terms.

Suburb

Brookline

A town wrapped around the city western edge where medical practices, professional services firms, construction contractors and building-services companies serve nearby hospitals and universities, invoicing institutional payers on cycles that run weeks past delivery.

Suburb

Burlington

A Route 128 office and retail suburb along the Middlesex Turnpike where technology companies, medical-device firms and their IT staffing, security and facility vendors invoice enterprise customers on procurement terms stretching past delivery.

Suburb

Canton

A Route 128 suburb of corporate offices and light-industrial parks along Dedham and Royall Streets, where technology vendors, facility-services contractors and staffing agencies serve large employers that settle invoices on long procurement cycles.

Suburb

Dedham

A suburb along the Providence Highway where auto dealers, wholesale distributors, legal and professional practices and commercial contractors serve the southwest corridor, invoicing dealer groups, insurers and corporate clients on delayed terms.

Suburb

Framingham

A MetroWest city of industrial parks and distribution buildings where food and consumer-goods wholesalers, laboratory suppliers, contractors and staffing agencies serve retailers and life-science campuses that settle invoices well after goods arrive.

Suburb

Lexington

A Route 128 suburb whose Hartwell Avenue corridor holds research labs, defense electronics and technology offices, where engineering suppliers, lab services and technical staffing firms invoice primes and institutions on long government-linked terms.

Suburb

Natick

A MetroWest suburb along Route 9 where retail distribution, defense research support, professional practices and technology firms work near Speen Street, invoicing chains, federal programs and corporate clients on terms paid weeks later.

Suburb

Needham

A Route 128 suburb whose Highland Avenue business district holds technology, media and medical-device offices, where IT consultancies, facility contractors and staffing agencies invoice corporate tenants on terms that run past the service month.

Suburb

Norwood

A southwest suburb with an industrial and office belt near the municipal airport and University Avenue, where printers, electronics assemblers, aviation services and distributors invoice corporate and institutional buyers on standard net terms.

Suburb

Randolph

A south suburb beside Route 24 where distribution warehouses, home-health agencies, janitorial and security contractors and trucking operators serve the south corridor, billing institutional payers and property managers on extended terms.

Suburb

Saugus

A north-shore suburb along the Route 1 commercial strip where auto dealers, building-supply distributors, restaurant operators and trade contractors serve the corridor and bill dealer groups, chains and property managers on monthly cycles.

Suburb

Stoneham

A suburb north of the city along Interstate 93 where medical practices, professional offices, building trades and small distributors work near Montvale Avenue, billing insurers, property managers and corporate clients on monthly terms.

Suburb

Wakefield

A suburb at the Interstate 95 interchange where office parks along Audubon Road hold technology, insurance and professional firms, supported by IT staffing, janitorial and maintenance contractors that invoice corporate accounts on net terms.

Suburb

Watertown

A Charles River suburb whose Arsenal and Pleasant Street corridors hold life-science labs, light manufacturing and technology offices, supported by contractors, lab-supply distributors and staffing agencies that bill institutional clients on net terms.

Suburb

Wilmington

A north suburb at the Interstate 93 and Route 129 junction where distribution warehouses, machine shops, printing operations and construction suppliers serve regional shippers and builders, invoicing on terms that trail delivery by weeks.

Free calculator

Factoring Cost Calculator

Estimate your upfront cash, total fee and effective cost when you factor an invoice.

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Massachusetts guide

Factoring & AR Financing in Boston, MA

How Boston businesses use invoice factoring, AR financing and PO financing to get paid faster — local industries, costs and how to apply.

Read the guide