Invoice Factoring

Turn unpaid invoices into working capital without taking on new debt. Flowrise Funding connects you with top factoring partners so you can unlock cash from receivables, keep payroll steady, and take on more orders fast.

Invoice Factoring for Small Business

Invoice factoring gives your business faster access to cash by turning unpaid invoices into working capital. You sell your receivables, get most of the value upfront, and receive the rest once your clients pay no new debt or long waits.

Flowrise Funding connects you with trusted factoring providers to secure strong advance rates, transparent fees, and quick approvals. From setup to funding, the process is simple and reliable, helping you keep payroll steady, cover expenses, and take on new work without breaking stride.

How Flowrise Funding Invoice Factoring works

We keep the steps simple. You run the business; we handle packaging and provider matching.

Apply

Start online in minutes. Share revenue, aging reports, and sample invoices. Get an upfront range on advance rate and estimated fees perfect if you’re weighing an invoice factoring loan against other options.

Select Funding Type

Choose between recourse and non-recourse structures, pick the customers you want to factor, and review side-by-side offers with clear costs and timelines.

Approved Funds

Your approved invoices are purchased and you receive the advance often the same day for repeat submissions. Portal access makes uploads and status checks easy.

Repayments

There are no loan payments. Your customer pays the factor; you receive the reserve balance less agreed fees. As you add invoices, your available capital replenishes.

Where To Get Invoice Factoring In the United States

Chicago
Las Vegas
Phoenix
Columbus
Nashville
Dallas
Oklahoma City
Kansas City
Des Moines
Minneapolis
Baltimore
Orlando
Miami

Who Apply for Small Business SBA Loan Program?

You’re a strong candidate if you’re a U.S. for-profit business that invoices other businesses and has reliable customers. Factoring fits firms that are growing quickly, managing long payment terms, or recovering from cash crunches without taking on new debt.

We typically see strong fits from growing companies, seasonal operators bridging slow periods, and newer firms with experienced management and clear growth goals. If you’re unsure, apply our team will assess your file and point you to the right program.

Small business lines of credit are ideal for:

Restocking inventory before seasonal spikes
Launching a new location or service area
Replacing or upgrading equipment and core technology
Powering campaigns ads, promotions, or events
Smoothing cash flow between projects or during slow months

Frequently Asked Questions

What is the process for Invoice Factoring for Small Business

Apply online, upload recent A/R aging, customer list, and sample invoices. We match you with a factor, finalize the agreement, and submit your first batch. Approved invoices fund quickly some clients receive same day invoice factoring once set up.

What is the Repayment plan for my Business?

There’s no traditional repayment schedule. Your customers pay the factor directly; after payment clears, you receive the reserve minus fees. You can factor invoices as needed.

What is the process for Invoice Factoring for Small Business

Qualification focuses on your customers’ credit quality and payment history, not just your score. After due diligence and notice of assignment, funding repeats smoothly via the portal.

What is the Repayment plan for my Business?

Fees are transparent and tied to time outstanding. We’ll show total expected costs, advance rate, and reserve so you can compare to a loan or line of credit.

Flowrise handled the paperwork and kept us updated. We closed on time and finally upgraded our equipment

We compared offers and picked the 7(a) that matched our seasonality. Payments are predictable and sane

After months of stalls elsewhere, Flowrise got it done

Transparent terms, steady communication, and funding right when we needed it. Flowrise made a complex process feel easy

Invoice Factoring