Hospitality Invoice Factoring

Running a hotel, restaurant, or event venue means your cash is always in motion. Guests check out, invoices go to corporate clients, online travel agencies, and catering customers, but the payments can take weeks to arrive. In the meantime, payroll, food orders, utilities, and franchise fees still need to be paid. Hospitality invoice factoring turns those unpaid invoices into working capital so you can keep rooms filled, kitchens stocked, and staff paid on time.

Why Hospitality Businesses Turn to Invoice Factoring

The hospitality industry is built on customer experience, but delayed payments can strain even well-run operations. Restaurant invoice factoring and hotel invoice factoring give you predictable cash flow so you can negotiate better vendor pricing, handle seasonal slowdowns, and fund new opportunities without taking on traditional debt.

Instead of adding another loan to your balance sheet, hospitality invoice factoring converts outstanding invoices from corporate accounts, travel partners, online booking platforms, and event clients into immediate cash. This is especially valuable if you offer extended terms to attract group bookings or corporate contracts.

If you need quick cash from hospitality invoices to cover staffing, food and beverage orders, property maintenance, or marketing campaigns, factoring can bridge the gap between service delivery and final payment. You stay focused on guest satisfaction while we help stabilize your working capital.

Minimum Requirements for Hospitality Invoice Factoring

To qualify for hospitality invoice factoring, your business should meet these basic criteria:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Hospitality Invoice Factoring Options

Standard Hospitality Invoice Factoring

Ideal for hotels, restaurants, and venues with regular business-to-business billing. You submit approved invoices, receive an advance on a percentage of the invoice value, and get the remaining balance (minus fees) once the customer pays.

Non-Recourse Hospitality Invoice Factoring

For operators who want extra protection against non-payment, non-recourse hospitality invoice factoring can transfer part of the credit risk to the factor. If a qualified customer fails to pay for credit-related reasons, you may be protected under the terms of the agreement.

Spot Factoring for Large Events

Some hospitality businesses only need funding for specific invoices, such as a major conference, wedding series, or catering contract. Spot factoring lets you choose single, high-value invoices to factor without committing your entire accounts receivable portfolio.

Whole Ledger Hospitality Receivables Factoring

If you want a long-term cash-flow solution, whole ledger factoring allows you to submit most or all of your receivables on an ongoing basis. This provides regular, predictable advances that can support multi-location hotel groups, franchise restaurant systems, or event management companies.

Seasonal & Peak-Demand Factoring Programs

Hospitality revenue often spikes during holidays, travel seasons, and local events. Seasonal factoring programs let you increase factoring volume during busy periods and scale back when demand slows, giving you the flexibility to match funding to real-world occupancy and booking trends.

Hospitality Invoice Factoring Services

Our hospitality invoice factoring services are built around the unique cash-flow challenges of hotels, restaurants, resorts, and event venues. We work with your existing billing systems to review eligible invoices from corporate clients, OTAs, travel agencies, and catering customers, then provide fast advances so you do not have to wait on extended payment terms.

You benefit from flexible advance rates, competitive fees, and a straightforward approval process that focuses more on your customers’ credit strength than your past financial struggles. Whether you’re using hospitality receivables factoring to stabilize operations, expand into new locations, renovate rooms, or launch new food and beverage concepts, we structure programs to match your invoicing patterns and growth plans.

Who We Serve

Frequently Asked Questions

What is the process for getting hospitality invoice factoring?

You start by completing a short application and sharing basic business and customer information. We review your receivables, approve eligible debtors, and set up a factoring facility. Once approved, you submit invoices, receive an advance, and we handle the collection process from your approved customers.

How do fees and repayment work with invoice factoring?

Instead of fixed monthly payments, fees are deducted when your customer pays their invoice. You receive an initial advance on each invoice, and when the customer pays in full, we send you the remaining balance minus our agreed factoring fee. This keeps repayment aligned with actual cash collections.

Can I qualify if my credit score is low?

Yes. Hospitality invoice factoring focuses more on the creditworthiness of your customers than your personal credit score. While we review your background, many restaurant and hotel owners with challenged credit still qualify if they invoice reliable, creditworthy clients.

What are the eligibility requirements for hospitality invoice factoring?

You should operate a legitimate hospitality business such as a hotel, restaurant, bar, resort, catering company, or event venue, issue invoices to other businesses or organizations, and meet the minimum revenue and time-in-business guidelines. Invoices should be for completed services with clear payment terms.