WORKING CAPITAL / INVOICE FACTORING

Working Capital
Invoice Factoring

$10,000 - $400,000

FUNDING AMOUNT

0%

UPFRONT COSTS

Invoice factoring, also known as accounts receivable factoring, is a form of small business financing where a business sells its invoices to a factoring company in exchange for upfront funding. When the invoice amount is paid, the remaining balance is paid to the business owner minus a fee.

Invoice factoring allows your business to receive the working capital you need to maintain operations and plan for the future, but without taking on the periodic fixed payments associated with a term loan.

If slow-paying clients are stalling your ability to pay bills, meet payroll, invest in technology & equipment or hire more staffing, invoice factoring can help you bolster cash flow by liquidating your outstanding accounts receivable to meet your business needs.

Fast Financing for your Business

Invoice Factoring

Invoices

Small business owners sell outstanding invoices to a factoring service (the factor) at a discounted rate. The factor advances a lump sum up to 95% of the value of the invoice.

Factoring

The factoring service then proceeds to collect all payments directly from the clients of the small business.

Imbursement

The factoring service sends the remaining balance to the business, minus any fees, which is typically an agreed-upon percentage.

Minimum Qualifying Criteria

550+ credit score
6+ months in business
$10,000+ average monthly bank deposits

Required Items

Signed one page funding application
3-5 most recent business bank statements
Invoices you wish to redeem

No Collateral
Requirements

Advantages

Invoice factoring provides a safe, immediate source of cash flow by releasing working capital that is tied up in unpaid invoices.
Having a lender collect invoices for you can help you save time spent on administration and chasing late payments.
Factoring provides flexibility as amounts can expand and contract with your sales volume.

Disadvantages

Invoice factoring companies will verify invoices with clients to ensure they’re accurate.
Including a third party can affect customer relationships and also means that you may need to give up some control.
If your client has a weak payment history or credit score, it may affect your approval.

Why Choose Us?

Unlike traditional banks, we at Real Lending Capital truly understand your business needs. Your success is most important to us, so we’ll never over-leverage your business by offering you more funding than you can handle.

Our simple application and quick approval process makes it easy for you to get the working capital your business needs, and our experienced funding consultants will walk you through it every step of the way.

Apply Now