Immediate
Benefits Of Accounts Receivable Financing
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Accounts Receivable Financing Can Create An Immediate Infusion Of Cash Liquidity.
Financing Solution For Most Industries
Accounts Receivable Financing works with a myriad of industries to provide structured funding that helps businesses grow, scale, and prosper.
Accounts Receivable
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What Is Accounts Receivable? Financing method that advances cash based on your outstanding customer invoices
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Invoice-Backed Funding Lenders provide capital using unpaid accounts receivable as the main form of collateral.
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Non-Loan Structure Unlike loans, this is an advance repaid as your customers settle their invoices.
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Short-Term Financing Designed to cover cash flow gaps until customers pay their outstanding balances.
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Third-Party Involvement Funding is often provided through a factoring company that collects payments directly.
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Business-to-Business Model Typically used by companies that invoice other businesses on net-30 to net-90 terms.
How To Use Accounts Receivable Financing
We have a wide range of business financing options tailored to fit your goals, industry, and stage of expansion.
Example Uses
Expenses
Paid
Advance your receivables to fuel growth without giving up equity.
A small IT services company provides monthly software development support to enterprise clients. They invoice on net-60 terms but need to pay developers and cover SaaS tools upfront. With AR financing, they fund their invoices monthly and stay ahead of operational expenses.
- Cover Expenses
- Helps Maintain Payroll
- SaaS Tools Stay Active
- Steady Cashflow
- Keeps Teams Employed
- Pay 3rd parties Ontime
Expenses Paid
By Flexible Capital
Immediate
Payment
Turn your customer invoices into instant inventory funding.
A wholesale beverage distributor received a large purchase order from a grocery chain. The supplier required upfront payment, but the grocery store would take 45 days to pay the invoice. The distributor used AR financing to get immediate capital from the invoice, cover supplier costs, and deliver the order on time.
- Fill Bigger Orders
- Relieve Cashflow Stress
- Accept More Contracts
- Pays Invoices Upfront
- Help Clear Up Debts
- Cover Supplier Costs
Immediate Payment
By Flexible Capital
Maintain
Payroll
Keep Your Payroll Moving with Accounts Receivable Financing.
A staffing company places workers at various client locations but must pay its staff weekly. However, clients pay invoices on net-60 terms, causing major cash flow gaps. Using accounts receivable financing, the agency advances cash from invoices and pays employees on time—without relying on loans.
- Close billing and payment gaps
- Helps Maintain Payroll
- Able To Take Larger Contracts
- Ability To Expand & Grow
- Improves Employee Retention
- Propensity To Continue Operations
Maintain Payroll
By Flexible Capital
List Of Required
Documents Needed
What Documents Do I Need?
Funding Under 150K
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Business Entity Documentation
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Bank Statements (6 Months)
Funding Over 150K
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Business Entity Documentation
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Bank Statements (6 Months)
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Tax Returns (Business)
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Financial Statements
Flexible Finance Options For Your Business
We have a wide range of business financing options tailored to fit your goals, industry, and stage of expansion.
Our Finance Options
Need Help?
Accounts Receivable Questions
Accounts receivable financing lets businesses convert outstanding customer invoices into upfront cash. A lender advances a percentage of the invoice value, and repayment happens once the customer pays. This helps improve cash flow without waiting 30, 60, or 90 days.
Typically, only commercial (B2B) invoices that are due in 30–90 days are eligible. Invoices must be free of disputes, and the client must have a strong repayment history.
Most businesses receive funding within 24 to 72 hours after approval. Once your invoices are verified, lenders provide immediate capital, making it a fast solution for urgent cash needs.
No, it’s not a traditional loan. It’s a form of asset-based financing where your unpaid invoices act as collateral, and the funds are repaid as your customers settle their bills.
Businesses that invoice other businesses (B2B), have creditworthy clients, and use net terms like 30 or 60 days are great candidates. Startups and established companies with consistent receivables often qualify.
We work with a wide range of industries including retail, construction, healthcare, transportation & logistics, real estate, e-commerce, landscaping, roofing, solar, pool, plumbing contractors, and more—whether you're just starting or scaling up.
No, it typically doesn't affect your credit score because it’s not reported as debt. In fact, it can help you avoid late payments by keeping your cash flow strong.
Yes! If your business qualifies, we can structure multiple funding types—like combining a line of credit with equipment financing—to support different areas of your business.
Yes. As long as your business has active B2B invoices with reliable clients, even new businesses can qualify—no long credit history is required.
It depends. In “factoring” arrangements, the lender may notify and collect directly from your clients. In “non-notification” or confidential financing, your customers are not contacted.
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