Invoice Factoring Nationwide for Businesses With Unpaid Invoices
π§Ύ Turn Invoices Into CashI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. With invoice factoring, you don’t wait 30, 60 or 90 days to get paid. You sell your unpaid business invoices to a factor, get most of the value in cash fast, and they collect from your customer. It’s your money, just sooner. I match you to the right factor.
Invoice Factoring Turns Unpaid Invoices Into Cash You Can Use Today
Invoice factoring is not a loan. It’s the sale of your unpaid business invoices to a factoring company. Instead of waiting out your customer’s payment terms, you get most of the invoice value in cash now, and the factor waits to get paid instead of you.
1. You Invoice
You deliver your product or service and invoice your business customer on their usual terms.
2. Sell the Invoice
You sell that unpaid invoice to a factor and receive most of its value in cash, fast.
3. Factor Collects
The factor typically handles collection directly with your customer when payment is due.
4. You Get the Rest
Once your customer pays, you receive the remaining balance, minus the factor’s fee.
Waiting on Net-60 Terms
You delivered the work, but your cash is locked in an unpaid invoice. Payroll, suppliers and the next job all wait on a customer who pays when they feel like it.
With Invoice Factoring
You sell the invoice and get most of the cash now. The factor waits on the customer, and your business keeps moving instead of stalling.
A Growing Company Made Payroll Without Waiting on a Net-60 Customer
A business had delivered the work and sent the invoices, but its biggest customer paid on net-60 terms. Payroll was due in a week, and the cash was stuck in invoices that wouldn’t pay for nearly two months.
The owner called me. I matched the business to a factor who advanced most of the value of those unpaid invoices within days, and handled collection with the customer directly. Payroll went out on time, and when the customer paid, the rest came back minus a modest fee.
That is the difference between a cash-flow crisis and a non-event. Don’t Beg the Bank! Get funded instead.
Invoice Factoring Fits Any Business Waiting to Get Paid
If you invoice other businesses and wait 30, 60 or 90 days for payment, factoring can bridge that gap. It’s especially popular in these industries, but it works for almost any B2B business with creditworthy customers.
Trucking and Freight
Carriers factor freight invoices to cover fuel and payroll while brokers and shippers pay on their own schedule.
Freight factoring βStaffing Agencies
Make weekly payroll while clients pay invoices on net-30 or longer, the classic factoring use case.
Staffing financing βManufacturing and Wholesale
Free up cash tied in receivables to buy materials and fulfill the next big order without waiting.
Manufacturing financing βContractors and Service Firms
Cover labor and materials on the next job while clients take their time paying the last one.
Construction financing βDistributors and Suppliers
Keep inventory moving and shelves stocked while large retail and B2B buyers pay on terms.
Any B2B Business
If you invoice creditworthy businesses and wait to get paid, factoring can put that cash to work now.
Factoring Isn’t the Only Way to Fix Cash Flow
Sometimes selling invoices is the right move, sometimes another structure fits better. My lender network covers them all, here’s where else I can take you.
Working Capital Loans
Fast, revenue-based cash if you don’t have B2B invoices to sell, repaid from your sales.
See working capitalBusiness Line of Credit
Revolving access you draw on as needed, instead of selling invoices one batch at a time.
See lines of creditEquipment Financing
Buy machinery or vehicles with the equipment as collateral, preserving your cash.
See equipment financingSBA Loans
Government-backed financing with strong long-term terms for bigger, lower-rate needs.
See SBA loansStartup Funding
Newer business without an invoice history yet? There are paths built for early-stage owners.
See startup fundingSmall Business Loans
Not sure which fits? Start at the hub and I’ll route you to the right structure.
See all optionsQualifying for Invoice Factoring Is About Your Customers, Not Just You
Because factoring is the sale of invoices, the factor cares most about whether your customers pay their bills. That’s why factoring is often available to businesses that wouldn’t qualify for a traditional loan. I qualify deals honestly so neither of us wastes time.
β What you generally need
- βYou invoice other businesses (B2B), not consumers.
- βUnpaid invoices for work or product already delivered.
- βCustomers with reasonable credit who pay their bills.
- βA real, operating U.S. business.
π‘ Why it’s easier to access
- βApproval leans on your customers’ credit, not just your own.
- βOften available to newer businesses and those with weaker credit.
- βThe invoices are the asset, so no other collateral is typically required.
- βExact advance rates and fees vary by factor, invoice and industry.
Get Your Invoice Factoring Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep, and no selling your info to a third party.
Got it. I’m on it.
Your invoice factoring request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Three Steps. Fast and Direct.
No faceless portal, no junior rep. You deal with me from application to funding.
Apply
Tell me about your invoices and customers in the quick form above.
I Match You
I match you to a factor that funds your industry and customer profile.
Get Funded
Sell your invoices and get most of the value in cash, often within days.
Recent Invoice Factoring From My Desk
A snapshot of the invoice factoring I match to factors across the country. Every business is different, yours starts with a conversation.
Trucking Β· Freight Invoices
A carrier factored freight invoices to cover fuel and payroll while brokers paid on their own schedule.
Staffing Β· Weekly Payroll
An agency factored client invoices to make weekly payroll while clients paid on net-30 terms.
Wholesale Β· Big Order
A distributor freed cash tied in receivables to buy inventory and fulfill a large retail order.
How I Match Invoice Factoring to the Right Factor
Not every factor funds every industry, and the terms, advance rates and fees vary widely from one to the next. I work with many, so I match your invoice factoring to a factor that funds your industry and your customer profile, and I review the whole arrangement with you before you commit. That is the whole point of working with me.
Here is how it works. Invoice factoring is not a loan, it’s the sale of your unpaid business invoices. You deliver your work and invoice your customer, then sell that invoice to a factor and receive most of its value in cash, fast, rather than waiting out 30, 60 or 90-day terms. The factor typically handles collection with your customer directly, and once the customer pays, you receive the remaining balance minus the factor’s fee. Because the invoices are the asset, no other collateral is typically required.
What makes factoring different from a loan is what it’s built on. The factor cares most about whether your customers pay their bills, so approval leans on your customers’ credit rather than only your own. That’s why invoice factoring is often available to newer businesses, and to owners with weaker personal credit, who might not qualify for a traditional bank loan. According to the Federal Reserve’s Small Business Credit Survey, cash flow and slow customer payments are among the top financial challenges small businesses face, and factoring addresses that directly. Exact advance rates and fees vary by factor, invoice and industry, which is exactly why matching you to the right one matters.
So tell me about your invoices. Slow-paying B2B customers? Invoice factoring. Don’t have invoices to sell but need fast cash? Working capital loans. Want revolving access you draw on as needed? A business line of credit. Buying equipment? Equipment financing. Want government-backed terms? An SBA loan. In trucking, staffing or manufacturing? See trucking financing or every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: Federal Reserve, Small Business Credit Survey; U.S. Small Business Administration, SBA loan programs.
Straight Answers Before You Apply
What is invoice factoring?
Is invoice factoring a loan?
How fast can I get my money?
What do I need to qualify for invoice factoring?
Who collects from my customers?
What does it cost to work with you?
Invoice Factoring by Industry
I turn slow finished-goods invoices into cash now for manufacturers, underwritten on the credit of the customers who owe you. Find your industry below.
A Factoring Advisor Who Knows Which Factors Fund Your Industry
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Factoring terms, advance rates and fees vary widely, and not every factor funds every industry. I match your invoice factoring to a factor that funds your business and customer profile, explain exactly how their arrangement works, and stay with you through it. I personally review every application, I call you directly, and I never text. For more on small business capital, see the SBA’s 7(a) loan program and its Lender Match overview.
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and a customer who pays in 60 days can sink a good month. I match you to invoice factoring so your cash isn’t trapped in unpaid invoices … get most of the value in days, the factor waits on your customer, and you get a same-day callback from a broker who reviews every deal himself.
Invoice factoring is the sale of accounts receivable, not a loan. Advance rates, fees, reserve amounts, funding speed and collection and recourse terms vary by factor, invoice, customer and industry, and are determined by the factor; figures and timelines shown are typical, not guarantees. Approval is based largely on the creditworthiness of your customers. Funding within days is common but not guaranteed, and not all applicants or invoices are approved. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender or factor at closing. Some partner factors may require a fee or deposit upon your acceptance of their terms; any such fee is the factor’s, is disclosed before you commit, and is separate from any compensation to me. Final terms are determined by the factor. This is not a commitment to fund. Same-day approvals are common when the application reaches me before 9am Arizona Time.