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Turn unpaid invoices into cash

Invoice Factoring & A/R Financing — No Minimum Credit Score

Factoring advances you cash today against invoices your customers have not paid yet. The lender is underwriting *your customers'* ability to pay, not yours — which is why there is no minimum credit score. If you sell to businesses or government on net-30 to net-90 terms, this is often the cheapest and most scalable money available to you.

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Program guidelines

Amount$10,000 – $5,000,000
Term6 months – 10 years
Speed2 – 5 days
CreditNo minimum
Time in business—
Revenue$500,000+/yr

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Who this is right for

  • Staffing agencies, freight and trucking, commercial construction subs
  • Manufacturers and wholesalers selling on terms
  • Government and enterprise contractors with slow-paying, creditworthy customers
  • Any business that is profitable on paper and broke in the bank account

How it works

  1. Show your aged receivables report and confirm your customers are creditworthy businesses.
  2. You get advanced a large percentage of each qualifying invoice, typically within 2–5 days of setup.
  3. Your customer pays the invoice on their normal schedule.
  4. The remainder is released to you, less the fee.

What to watch out for

Every figure on this page is a published program minimum from our lending partner network, not an offer. Your terms come from underwriting.
Straight answers

Invoice Factoring & A/R Financing — straight answers

Do my customers find out I am factoring?
It depends on the facility. Notification factoring means your customer remits to a lockbox and knows. Non-notification keeps it quiet but is priced higher and underwritten harder.
What credit score do I need to factor invoices?
There is no minimum FICO on A/R financing in our network. Your customers' credit is what is being underwritten. What is required is $100,000+ in outstanding B2B receivables aged up to 90 days and $500,000+ in annual gross sales.
Is factoring the same as a loan?
No. You are selling or borrowing against an asset you already earned. It does not usually show up as term debt, which is why growing companies use it to scale without adding leverage.

Compare with

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Business Line of Credit

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SBA Loans

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No cost · No obligation

See if you qualify for invoice factoring & a/r financing

One application, a soft review only, and an honest read on whether this is even the right product for you.

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Checking your options does not affect your business credit. A soft review only.