Accounts receivable
Factoring: finance your accounts receivable
Your clients pay in 60 or 90 days, but payroll, suppliers and fuel go out every week. Factoring turns your invoices into cash, without waiting for the client to pay.
Who is it for?
Businesses that invoice other businesses.
Transportation, construction, manufacturing, services.
How it works
- You invoice your client as usual.
- The lender advances you a portion of the invoice.
- The balance is paid to you when your client pays, minus the lender's fees.
Terms depend on the lender, your clients and your volume.
You keep invoicing as usual
You send your invoices to your clients as before. The difference: part of their value can be available without waiting 60 or 90 days, depending on the arrangement chosen with the lender.
Check my eligibilityIndustries
Where payment delays hurt the most.
Transportation
Fuel, insurance and wages are paid right away. Clients pay in 30, 60 or 90 days.
Construction
Materials and subcontractors are paid before the general contractor or the project owner pays your invoice.
Manufacturing
A large order requires buying raw materials well before delivery and payment.
Business services
Agencies, maintenance, security, IT: your teams are paid every week, your contracts at term.
Why factoring
Financing that follows your sales.
It grows with you
The more you invoice, the more the available amount can increase. You don't have to reapply for credit with every new contract.
The quality of your clients matters
The lender looks closely at the strength of the businesses you invoice, not just your own history.
Your equipment stays free
Your invoices are the basis for the financing, not your trucks or your machines.
To prepare your file
- Your accounts receivable aging list (30, 60, 90 days)
- A few recent invoices and the contracts with your main clients
- Your latest financial statements
- ID and incorporation documents
I tell you exactly what to send based on the lender targeted. One application, and I take care of presenting it.
Check my eligibilityFrequently asked questions
What people ask me about factoring.
Will my clients know I use factoring?
It depends on the arrangement. Some lenders notify your clients and collect directly, others offer more discreet options. We choose together what suits your client relationships.
How much does it cost?
Fees depend on the lender, your volume, how long your clients take to pay and how strong they are. I compare the proposals so you see the real cost before deciding.
Do I have to factor all my invoices?
Not always. Depending on the lender, you can choose certain clients or certain invoices only.
What if my client doesn't pay?
It depends on the contract: with or without recourse. We review that clause together before signing, because it determines who carries the risk.
Invoices waiting to be paid?
Tell me who your clients are and how many days they take to pay. I will tell you honestly whether factoring is a good option for you.