Sound familiar?
Your staffing agency placed 40 workers this week. The invoice won't clear until April. Your workers expect checks tomorrow.
The freight broker's rate confirmation said NET-45. Day 22 and counting. Your fuel card is maxed. The next load is waiting.
No negotiation. Just a policy update in their AP portal. That's $340K you won't see until summer — but your machine shop runs on monthly.
Factor doesn't lend against your credit — we lend against your clients'. If you invoice Fortune 500s, mid-market distributors, or government entities, your receivables are fundable regardless of your own business age or credit history.
Tri-State Staffing, Memphis TN
In business 18 months, no bank line of credit. Factor funded $180K against invoices to a national hotel chain — client approved in 4 hours.
If you have an existing bank line of credit with a blanket lien on your receivables, we work directly with your lender to carve out the invoices we're purchasing. Most commercial lenders accommodate this — it's a standard intercreditor arrangement.
Coastal Freight Solutions, Houston TX
Had an existing SBA loan with a blanket lien. Factor's legal team coordinated a lien subordination in 48 hours. First funding released on day 3.
Factoring purchases earned receivables — invoices for work already completed, goods already shipped, services already rendered. If you invoice upon delivery or completion, your invoices qualify. Progress billing and milestone invoices also qualify on a case-by-case basis.
Ironwood Precision Manufacturing, Detroit MI
Ships parts to Tier-1 auto suppliers. Invoices net-75 after delivery confirmation. Factor funds 90% within 24 hours of invoice submission.
Upload your invoice through the Factor portal. Takes 3 minutes.
We check your client's credit in our database. Most approvals take under 4 hours.
One-page factoring agreement. No long-term contract required.
Up to 92% of invoice value hits your account. Same day or next morning.
We had $340K in receivables and couldn't make payroll. Factor funded $312K in 22 hours. That's the difference between keeping your staff and losing them.
I've been brokering freight for 11 years. The NET-45 game nearly broke me twice. Factor is the first financial product that actually understands how freight cash flow works.
Our biggest customer pushed to NET-90 without warning. Factor absorbed the whole receivables book — we didn't miss a single supplier payment.
Takes 90 seconds. No credit check. No commitment. Just a real number — how much Factor can put in your account against your current receivables.
No hard credit pull · No personal guarantee required for most programs · Cancel any invoice at any time