Quick answer
An AR aging report groups unpaid invoices by how long they've been outstanding — current, 1–30, 31–60, 61–90 and 90+ days. Lenders fund mostly current and under-90-day invoices.
The buckets
Each column shows invoice totals by age. Healthy reports concentrate balances in current and 1–30 days.
What funders look for
Customer concentration, past-due balances, disputes and how quickly each customer typically pays.
Cleaning up your report
Write off uncollectible balances, resolve disputes and apply payments promptly before you apply for financing.
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Written and reviewed by the National Invoice Factoring funding team — specialists in receivables and trade finance since 2009.
