Proof, Not Promises
We've Funded Invoice Factoring Across Every Industry
$180K in retainage held across 3 active jobs. Electrical contractor’s P&L showed a loss because retainage isn’t revenue until release. Banks saw loss, said no. Factoring company advanced 90% on each invoice within 24 hours.
Result: $180K in receivables → cash in 24 hours → payroll covered
47 loads delivered in January. Brokers pay net-45. That’s $190K in receivables sitting in limbo while fuel, insurance, and drivers are due NOW. Factoring: 90% advance within 24 hours. Cash flow problem solved permanently.
Result: $190K factored → cash in 24 hours → permanent solution
$200K/month in invoices to automotive OEMs paying net-60. Manufacturer factors every invoice and gets 90% within 24 hours. Uses the cash to buy raw materials for the next production run. Working capital cycle solved.
Result: $200K/month factored → continuous production funding
$300K in outstanding invoices from restaurant chains paying net-45. Distributor was missing supplier early-pay discounts because cash was tied up in receivables. Factoring unlocked the discount savings — net cost of factoring was nearly zero.
Result: $300K factored → supplier discounts captured → net zero cost
$120K in hourly billing to corporate clients paying net-90. Solo attorney couldn’t make payroll or cover case expenses. Factoring on receivables from blue-chip clients — lender cared about the CLIENT’s credit, not hers.
Result: $120K factored → payroll covered → case expenses funded
Fleet maintenance shop billing insurance companies and fleet managers net-30-60. $80K in outstanding invoices. Factoring gets 90% next day. Shop owner stops choosing which vendor to pay late.
Result: $80K factored → next day cash → all vendors paid on time
47 loads in January, $190K in receivables, and every broker paying net-45. Factoring gets me 90% the next day. I haven't worried about fuel money or driver pay in two years.
Marcus T.
Fleet Owner | Houston, TX
Qualification Estimator
See What You Qualify For in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions. No documents. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Full Transparency
The Real Cost of Invoice Factoring — No Surprises
Higher volume = lower fee percentage. Rates depend on your customers' credit quality, invoice size, and industry.
Higher volume = lower fee percentage. At $200K/month, you're paying 1.5% to eliminate 60-day payment delays permanently.
Want to run YOUR factoring numbers?
Advance amount, fees, annual cost — calculated in 30 seconds. No signup.
Calculate Your Factoring Cost →Honest Comparison
Honest Comparison: Factoring vs Line of Credit vs Waiting
Bobby's take:
Factoring gets a bad reputation because some companies charge 4-5% and lock you into long contracts. Our network has factors at 1-2.5% with month-to-month agreements. At those rates, the math works. And here's what nobody tells you: factoring at 2% costs less than the business you lose waiting 60 days for payment.
— Bobby Friel, Basecamp Funding - Founder
Factoring over $1M monthly? Our commercial team structures large-volume factoring facilities with better rates and terms than standard agreements.
Talk to a Commercial Specialist →Fear Removal
Every Objection Answered
Isn’t factoring too expensive?
At 4-5%? Yes — avoid those companies. At 1-2.5% in our network? Do the math. $100K/month in invoices at 2% costs $2,000/month. If that $100K sitting in receivables means you can’t buy materials, make payroll, or take new jobs — the $2,000 pays for itself many times over. The real cost is the revenue you lose waiting.
Will my customers know I’m factoring?
Depends on the arrangement. Notification factoring means your customers pay the factor directly — they’ll know. Non-notification (confidential) factoring means you collect as normal and the factor stays invisible. Non-notification costs slightly more (0.5-1% higher) but protects relationships. We have both options.
I’d rather just get a line of credit
If you qualify for a LOC, it’s cheaper — we’ll tell you that. But LOCs require your business to have 6+ months history, decent credit, and consistent revenue. Factoring requires your CUSTOMERS to have good credit. If you’re a startup, have poor credit, or can’t qualify for traditional financing, factoring might be your only option — and it’s a good one.
My customers pay slow — will that be a problem?
Slow-paying customers are exactly why factoring exists. Net-30 that turns into net-60? Net-60 that turns into net-90? The factor advances you 85-95% immediately and handles collection. You get paid now, the factor waits. That’s the entire business model.
What’s recourse vs non-recourse?
Recourse: if your customer doesn’t pay, you owe the factor back. Lower fees (1-2%). Non-recourse: the factor absorbs the loss if your customer doesn’t pay. Higher fees (2-4%). Most B2B factoring is recourse because your customers are established businesses that pay. Non-recourse is worth the premium if your customers are less reliable.
How fast do I actually get the money?
First funding: 3-5 business days to set up the account, verify invoices, and check your customers’ credit. After setup, each invoice funds in 24 hours or less. Some factors offer same-day funding for established accounts. It gets faster the longer you work with them.
Simple Process
How Invoice Factoring Works
Tell us your monthly invoice volume and who your customers are
60-second application — no documents yet
Factor evaluates your customers’ creditworthiness
Submit invoices and receive 85-95% advance same day
Factor collects from your customer, sends you the remaining balance minus fees
Right Fit?
Who Invoice Factoring Is For — and Who It's Not For
Great Fit
Not the Right Product
Not sure which product fits? Try the qualification estimator — it recommends the right product based on your situation.
Full Transparency
What Kills Your Invoice Factoring Application
You Likely Qualify If
Red Flags That Cause Denials
Pre-Qualify Now
Stop Waiting on Slow-Paying Clients — Pre-Qualify in 60 Seconds
Your customers are good for the money — they just pay slowly. Pre-qualify for factoring and get paid tomorrow instead of waiting 60 days.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
FAQs
Invoice Factoring FAQs
Invoice Factoring for Small Business — $10K to $5M, Same-Day Cash, 70+ Lenders
Waiting 60 days for payment when your bills are due now isn't a cash flow strategy — it's a survival test. Invoice factoring turns your outstanding receivables into same-day cash. Your customer owes you $100K net-60? A factor advances you $90K today and collects from your customer when the invoice is due. Run the numbers on our loan cost calculator — at 1.5-2.5%, factoring costs less than the business you lose waiting.
We connect businesses with factoring companies across every industry: trucking companies waiting on broker payments, construction contractors with retainage, manufacturers invoicing OEMs, wholesalers bridging net-45 terms, and attorneys billing corporate clients. One 60-second application, no hard credit pull, and a specialist matches you with the right factor for your industry and volume.
Invoice factoring often supports businesses in trucking, construction, and manufacturing — industries where commercial insurance is required. If you need cargo, liability, or equipment coverage, our sister company InsuranceService365.com provides business insurance across 29 states.
The Only Risk Is Not Knowing What's Available to You
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide