Most programs require that your business is actively operating, generating at least $10,000 in monthly revenue, and invoicing other businesses or institutions on net terms. You should own at least 51% of the company and be able to provide basic documentation such as bank statements, sample invoices, and customer information. Meeting these guidelines positions you well to get retail invoice factoring that supports your cash-flow needs and growth plans.
Our retail receivables factoring solutions are designed around the way modern retailers sell and get paid. If your store invoices corporate buyers, wholesale customers, big-box partners, or government accounts, we can set up a facility that advances a portion of each approved invoice shortly after it is issued. As your customers pay, the remaining balance minus fees is released to you, creating a steady flow of capital that tracks with your sales.
Unlike traditional bank financing, approval focuses less on perfect credit and more on the strength of your customer base and the quality of your receivables. That means newer retailers or businesses recovering from past credit issues can still access retail invoice factoring today. You gain the ability to take on larger purchase orders, negotiate early-pay discounts with suppliers, and confidently manage seasonal fluctuations without straining your cash reserves.