Invoice Factoring

Invoice Factoring Can Help Fund Your Business

Get an immediate advance on your outstanding invoices.

We Provide:

  1. INSTANT Pre Approval
  2. GET APPROVED Within 24 Hrs
  3. PROVIDE INVOICES  For Purchase
  4. GET FUNDED Fast!

About Factoring

As a small business owner, you depend on various forms of capital and funding to grow.

The early period of running a small business is difficult, and even after the first few years, it can be hard to build up a steady flow of revenue. It becomes key to secure various ways to acquire the funds you need to run your daily operations, meet obligations, spend on marketing and customer acquisition, grow to new locations and lines of business, and so on. There are many forms of financing and capital available for small businesses.

One of the lesser-known options: invoice factoring.

  • Just-In-Time Cash Advances As High As 90% Of Original Invoice
  • Fund As Much As You Want, Whenever You Want
  • You Choose Which Invoice Or Parts Of Invoice To Fund
  • No Term Contract
  • No Hidden Fees Or Extra Charges With The No-Fees Guys

Advantages of Factoring

  • Accept sizable orders with confidence
  • Increase capacity to take on bigger, but slower-paying customer
  • Synchronize revenue/expense cycles
  • Expand and diversify your customer base
  • Pay suppliers on time
  • Prospect for new business with our credit research service
  • Gain access to our extensive reports

Industries Served with our factoring programs

  • Auto Glass
  • Advertising
  • B2b
  • Carpet Cleaning
  • Consultant
  • Distributor


Invoice factoring is a type of capital product that lets businesses sell future revenue in exchange for cash now. The way it works is that the business finds an invoice factoring company and sets up an agreement. The agreement states that the business will give the factoring company some of its accounts receivable and the factoring company will provide that business with most of the money upfront as a lump sum. Instead of waiting for the accounts to close out and for the money to come in, you as the business owner can get it right away. It is a win-win because the factoring company makes a small profit by purchasing your future income and you get faster access to the money that your customers owe.

You can sell some of your invoices, all of them, or anything in between. It is a flexible financing product. The key is the tradeoff between a future stream of income and a present cash amount. Different companies will offer different terms, such as how much of the value of the invoices they will offer up front and if there are any additional fees. It is also important to note that the factoring company does not become responsible for collecting the money owed. Depending on the exact contract, there are two different outcomes if some of the invoices never get paid. Either the factoring company is out of luck, which is a “without recourse” contract, or they are entitled to collect any difference from the small business that sold the invoices, which is a contact “with recourse.”

 Why Use Invoice Factoring?

There are two main reasons to do invoice factoring: time and aggregation. The time argument is that for any group of invoices, the business has to wait around for the customers to pay. For example, if the account must be paid within 30 days, some customers might pay after 1 day, others after 15, and still others on the last possible day. It’s also impossible to predict when the money will come in for unfamiliar customers. This creates uncertainty for the business and means they might have trouble financing projects and expenses while they wait for the money to come in.

The aggregation argument is that the small business might want one large sum of money instead of several small payments are broken up. This might be because they have an opportunity to get a great deal on equipment or a new location, for example, but only if they act quickly, so they need all of the money at once. Invoice factoring lets them obtain the value from several invoices all at once.

Finding a Good Factoring Company

The company that does the factoring, which is also known as the factor, should be trustworthy and efficient. They should have low fees and be completely transparent about their fee schedule, including what each fee means and why it is there. They should offer rapid approvals and high value in terms of the percentage of the account value that they disburse. One good example of a company that provides all of these services is Indiana Local Biz. They are deeply experienced with serving small businesses with many different capital products.