- Apply onlineAbout two minutes, no obligation
- No credit check hereWe don't ask for Social Security numbers or bank details on the application.
- Funder decidesFactoring is subject to the funder's review and approval.
- Talk to a licensed agent(619) 382-3810
How it works
Start your application.
1. Tell us who you are: your business name, your name and an email.
2. Add every signer. If more than one owner or officer will sign, add each person's email so everyone is included.
3. We follow up. Someone on our team reviews it and gets in touch about next steps.
FAQ
Invoice factoring, explained plainly
What is invoice factoring?
A business sells its unpaid invoices to a factoring company at a discount. The factoring company pays a lump sum, and the business can use that money right away as working capital.
Is factoring a loan?
Not exactly. The OCC describes factoring as an alternative to a small business loan: you sell the invoices rather than borrow against them.
How much of the invoice is paid up front?
The OCC describes the lump sum as usually between 70 and 90 percent of the invoice total. The funder sets the actual terms after its review.
What does the application ask for?
Your business name, your name and email, and how many people will sign. If more than one owner or officer will sign, it asks for each person’s email. It does not ask for Social Security numbers or bank details, and there is no credit check through the form.
What happens after I apply?
Someone on our team reviews your application and gets in touch about next steps.
What to have ready
- Your business name
- Your name and email
- The email of each owner or officer who will sign
What happens next
- Tell us what you need. A few quick questions. It takes about two minutes.
- We review it. Someone licensed reads every request.
- We reach out. We talk it through with you. There is no obligation.
Not sure factoring is the right fit?
Tell us how your business gets paid. We'll talk through factoring and other financing with you.
Talk it through with usImportant information
- Factoring is subject to the funder's review and approval.
- Business financing: Financing is subject to each lender's review and approval.