Are there long-term contracts?

Many programs have no long-term commitment. Where a term applies, its length and any termination terms are spelled out upfront.

Higher monthly volume, customers with strong credit, faster customer payment, and complete documentation all reduce your rate.

Pricing

Transparent pricing, in writing

Typical rates for every program. Your exact price is set in a no-obligation proposal.

Program	Advance	Typical cost	Funding speed	Best for
Accounts Receivable Financing	80%–95% of invoice value	0.75%–3% per 30 days	24–48 hours after approval	B2B companies with creditworthy customers on 30–90 day terms
Purchase Order Financing	Up to 100% of supplier costs	1.5%–6% per 30 days	5–10 business days for first deal	Distributors, wholesalers, importers and resellers with confirmed POs
Invoice Factoring	Up to 95% upfront	1%–3.5% per 30 days	Same day to 24 hours	Trucking, staffing, manufacturing, construction and service firms
Freight Factoring	Up to 97% of the load	1.5%–4% flat per load	Same day after delivery	Owner-operators, small fleets, freight brokers and regional carriers

What determines your rate

Monthly invoice or order volume
Credit strength of your customers
How quickly your customers pay
Recourse vs. non-recourse
Industry and documentation quality

Worked example

A $100,000 invoice at 1.5% per 30 days, paid in 30 days: you receive about $90,000 upfront, then $8,500 when your customer pays. Total cost: $1,500.

Frequently asked questions

One discount fee per program, quoted per 30 days (or per load for freight). Any other fee — such as wire charges — is listed in writing on your term sheet before you sign.

Compare properly