A/R Financing

Turn that IOU into working capital

Unpaid Invoices Are a Problem in All Types of Businesses.

AR Financing is the Solution.


Advance Up to 90%


As Soon As 24 Hours


Up To 1 Years


As Low as 3%

What Is Accounts Receivable Financing?

Accounts receivable financing is a financing option that uses your company’s unpaid invoices as collateral for a lump sum of cash. Invoice financing typically comes with payment terms that give you 80% of the invoice value up front. Then, the factoring company takes over the process of collecting payment from your customers. Once the full amount is paid, you’ll receive the remaining invoice balance, minus a factoring fee that is paid to the company.

The factoring fee is usually based on the net terms it takes for your customer to pay the invoice. It usually starts around 3% of the invoice total. However, you can also use other types of accounts receivables to get funding, including purchase orders and inventory.

Because AR financing is based on tangible assets or debts owed to your company, you may find it easier to qualify than with traditional financing options like business loans. For instance, you’ll generally find more flexible requirements on things like credit and time in business. Even if your company started less than a year ago, you could still apply to qualify for accounts receivable financing.

Fast Access

Standard commercial banking products like term loans can take several months to process. But with receivable loans, you can increase your cash flow in as fast as 24 hours. You’ll quickly find out if you qualify and get early payment with invoice financing.

Keep Your Equity

Some small business owners may be tempted to bring in external investors to help with cash flow issues caused by outstanding invoices. But that eats into your profit margins when it comes time to take distributions. Plus, giving away equity is permanent, while you can tap into accounts receivable factoring only when you need to.

Minimum Requirements For a Commercial Mortgage

If your business doesn’t match some of the qualifiers below, it may be more challenging to receive funding from our lending partners.


650 or Higher


at least $8K


6 months or more

Office: Knoxville, TN

Call 865-830-1293