Invoice Factoring
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Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Your Application Gets Matched Across 70+ Lending Partners
70+ vetted lending partners competing for your business
How It Works
How Invoice Factoring Work
You submit an unpaid invoice to the factoring company. They advance you 80-95% of the invoice value within 24-48 hours. When your client pays the invoice, the factor releases the remaining balance minus a small factoring fee (typically 1-3% per 30 days).
Best For
Ideal Use Cases for Invoice Factoring
Real Scenarios
Who Uses Invoice Factoring?
These are the kinds of situations where invoice factoring make the most sense.
Trucking Company Waiting on Broker Payments
A freight carrier factors $80K in broker invoices each month so drivers get paid weekly instead of waiting forty-five days for broker settlements.
Staffing Agency Covering Weekly Payroll
A staffing firm factors client invoices due in sixty days to fund weekly payroll for three hundred temporary employees across multiple job sites.
Construction Sub Waiting on Draw Schedule
An electrical subcontractor factors $120K in progress billing invoices to cover material costs while waiting on the general contractor's monthly pay application.
IT Consulting Firm Scaling Up
A small IT consultancy factors government contract invoices paid on net-ninety terms, freeing cash to hire two additional engineers immediately.
Manufacturing Supplier Bridging Net-60 Terms
A parts manufacturer factors purchase orders from an automotive OEM to buy raw materials upfront and keep the production line running on schedule.
Commercial Cleaning Company Growing Routes
A janitorial services company factors monthly facility invoices to fund equipment purchases and hire crews for three newly signed corporate accounts.
Full Transparency
Pros & Cons of Invoice Factoring
We believe in full transparency. Here's what you should know.
✅ Advantages
⚠️ Considerations
What It Actually Costs
Invoice Factoring Pricing - Full Transparency
Factoring Rate: 1% - 5% per invoice (typical range)
How It Works:
Fees
Factoring fees of 1-5% per 30-day period. Some lenders charge flat fees, others charge weekly. No origination fees with most factors.
When Factoring Makes Sense
Best for businesses with strong B2B or government customers who pay on net-30/60/90 terms. Not ideal if your customers are consumers or if invoices are under $1K each.
Typical Cost Examples
Factoring rates depend on customer credit quality, invoice volume, and payment terms. Government and Fortune 500 invoices typically qualify for the lowest rates. Factoring is not a loan - it's an advance on money already owed to you.
Full Transparency
Is Invoice Factoring Right for You?
Honest answer. Not every product is the right fit. Here's how to tell.
✅ Good Fit If…
🚫 Consider Something Else If…
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How Invoice Factoring Compare
Side-by-side look at how this product stacks up against alternatives.
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See What You Qualify For. No Credit Impact.
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
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
Industries
Popular in These Industries
Invoice Factoring are a top choice for business owners in these sectors.
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Invoice Factoring FAQs
Invoice Factoring for Small Business - Turn Receivables into Same-Day Cash
Invoice factoring through Basecamp Funding's network of 70+ lending partners lets you convert outstanding B2B and government invoices into immediate cash. Receive 80-90% of invoice value within 24-48 hours. Typical factoring rates range from 1% to 5% per invoice depending on customer creditworthiness and payment terms.
Construction contractors, trucking companies, manufacturers, wholesale distributors, staffing agencies, and government contractors use invoice factoring to eliminate the 30-60-90 day payment gap. No minimum credit score required - approval is based on your customers' credit, not yours. One application, no hard credit pull, funded as fast as same day.
“We factor $200K in invoices monthly. Instead of waiting 60 days for customers to pay, we get cash in 24 hours. Completely changed how we operate.”
David H.
Manufacturer | Chicago, IL
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