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Accounts Receivable Financing

Cash Flow Solutions

Turn Unpaid Invoices Into Fast Working Capital

Loan Amount

Up to $10 Million

Time to Fund

As fast as 24 hours²

Loan Terms

Up to 1 Year

Get Cash from Your Unpaid Invoices

Unpaid invoices slow down your cash flow. Accounts Receivable (AR) financing turns those unpaid invoices into working capital—fast.

No need to wait 30, 60, or 90 days for client payments. Unlock the money already owed to your business.

What is Accounts Receivable Financing?

Accounts receivable financing—often called AR financing—lets your business receive cash immediately by using unpaid customer invoices.

Instead of waiting weeks or months for customers to pay, a financing company advances you most of the invoice amount upfront.

This solution helps businesses:

  • Maintain steady cash flow
  • Cover urgent expenses
  • Take on new projects
  • Bridge slow payment cycles
  • Support seasonal demand

Accounts Receivable Loan vs. Accounts Receivable Factoring

Both options give you fast access to the cash locked in your unpaid invoices—but they work differently.

Accounts Receivable Loan (AR Loan)

  • Your invoices are used as collateral
  • You stay in control of collections
  • You repay the lender once customers pay
  • Functions like a short-term business loan

Accounts Receivable Factoring

  • You sell your invoices to a factoring company
  • They take over collecting customer payments
  • You get funding immediately (up to 90%)
  • No loan repayment — treated as a sale

How Accounts Receivable Financing Works

  1. Invoice Your Customers: You provide your services and issue an invoice.
  2. Get an Advance (Up to 90%): The financing company advances cash—often within 24 hours.
  3. Customer Pays: Depending on AR Loan or Factoring, payment is sent to you or the factoring company.

Who Should Use Accounts Receivable Financing?

This financing is ideal for businesses that:

  • Have slow-paying customers
  • Experience cash-flow gaps
  • Need working capital quickly
  • Operate on net-30, net-60, or net-90 terms
  • Have large invoices tied to long projects

Common Industries

Manufacturing, wholesale, construction, trucking, logistics, apparel, staffing, and service-based businesses.

Why Choose AR Financing?

Fast Capital

Get cash quickly without adding long-term debt.

Flexible & Scalable

Funding grows as your business grows.

Stabilize Cash Flow

Keep operations running smoothly.

Take Larger Contracts

Cash flow won’t hold you back from growth.

Apply for Accounts Receivable Financing

Get the cash your business needs—without waiting on client payments.

  • ✔ Free application
  • ✔ No impact on credit¹
  • ✔ 24-hour funding available
Start Your Application