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Business Capital Advisors

Receivables Financing

Turn unpaid invoices into working capital today.

Invoice factoring (recourse and non-recourse), spot factoring, accounts-receivable lines, and purchase-order (PO) financing, bridge the gap between billing and getting paid.

Is this the right product?

Structured around your business, not a one-size offer.

It fits when

  • B2B businesses waiting 30 to 90 days on invoiced customers: staffing, logistics, wholesale, contractors, government vendors
  • Companies whose customers are more creditworthy than they are; approval keys on the payor
  • One-off large invoices (spot factoring) or ongoing AR programs

Look elsewhere when

  • B2C revenue without invoices; revenue-based financing fits that shape instead
  • Owners who don't want a factor interacting with their customers (non-notification options exist but cost more)

How to qualify

  • Invoiced B2B or government customers with verifiable creditworthiness
  • Invoices free of liens and disputes
  • Your own credit matters far less than your customers'

What you'll need

  • AR aging report and sample invoices
  • Customer list with contact and payment terms
  • 3 months of business bank statements

Cost and timeline

Illustrative example: factor a $10,000 invoice at an 85% advance and a 2% fee per 30 days: you receive $8,500 now, and when your customer pays in 30 days you receive the remaining $1,300 after the $200 fee.

First funding typically takes 3 to 10 business days while the factor verifies your customers. After setup, new invoices fund in 24 to 48 hours.

Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.

Go deeper: MCA vs. Invoice Factoring →

Common questions

Receivables Financing, answered straight.

Is invoice factoring a loan?

No. Factoring is the sale of an invoice at a discount: you receive most of its value now (commonly an 80-90% advance) and the balance minus the factor's fee when your customer pays. There is no monthly loan payment.

Will my customers know I'm factoring?

Under notification factoring, yes, they pay the factor directly and the factor verifies invoices with them. Non-notification arrangements exist for stronger books. Either way, factoring is routine in B2B industries like freight and staffing.

What does factoring cost?

Fees commonly run 1-3% per 30 days on the invoice face value, driven by your customers' credit and payment speed, not yours. A $10,000 invoice at a 2% monthly fee costs $200 if paid in 30 days.

What happens if my customer never pays?

Depends on the agreement. With recourse factoring, you buy the invoice back. Non-recourse shifts defined credit risk to the factor for a higher fee. Read which events are actually covered, non-recourse rarely covers disputes.

How it works

From hello to funded.

  1. 01

    Tell us what you need

    Two minutes, how much, what for, and your monthly revenue. No hard credit pull.

  2. 02

    We structure your options

    Your advisor matches your file to the right product and 3-5 vetted funders, not 50.

  3. 03

    Compare real terms

    See factor rate or APR, payment, and total cost, all disclosed before you sign anything.

  4. 04

    Get funded

    Accept, upload a few documents, and funds can land in as little as 24-48 hours.

Other ways we structure capital

Let's structure your receivables financing.

Two minutes to apply. First offers in 24 hours, with every term disclosed before you sign.

Get my funding optionsCall (307) 667-1250