Get paid now for work you already did.
Factor & Fund turns unpaid invoices into cash in hand, so payroll, inventory, and growth stop waiting on someone else's payment terms.
US lender. Approval and terms are subject to underwriting. No outcome is guaranteed.
It is not your business. It is the wait.
Most cash crunches in a healthy company are timing problems, not profit problems. You deliver, you invoice, then you wait while your own bills keep their schedule.
You deliver and invoice
The work is done and the invoice goes out on net-30, net-60, sometimes net-90 terms.
Then you wait
Payroll, materials, and suppliers do not wait a single day for your customer to pay.
You get paid now
We advance most of the invoice up front, so your cash lines up with your obligations, not your customer's calendar.
Funding built around how you get paid.
Invoice factoring
Turn unpaid invoices into cash now. Not a loan, no new debt on your books.
Explore factoring →Payroll funding
Cover payroll every cycle while clients pay on their slower terms.
Explore payroll funding →Purchase order financing
Fund supplier costs to fulfill a large order you could not otherwise take.
Explore PO financing →Equipment financing
Fund the equipment a bigger contract needs without draining working capital.
Explore equipment financing →Short-term loans
Fast working capital for a specific, time-bound need. Terms subject to underwriting.
Explore short-term loans →All financing options
Not sure which fits? See the full range and find the right tool for your situation.
See all financing →For businesses that bill, then wait.
From CPG and retail to staffing, construction, healthcare, media, robotics, and beyond. If you invoice other businesses and wait to get paid, we can help.
Know what is coming for your cash flow.
Rates, inflation, and sector data, translated into what they mean for your industry. Updated daily, with our read on it, not just the raw numbers.
Ideas and analysis for people who wait to get paid.
What they say about us.
@jenny · Sept 2
Factor & Fund provided fast, flexible cash flow solutions tailored to our business needs.
@phoenix · Sept 15
Efficient and reliable factoring services. A great partner for business growth.
@baker · Sept 16
Exceptional service! Quick funding and transparent rates. Highly recommended!
@drew · Sept 25
We love Factor & Fund! They made invoice factoring quick and hassle-free.
@jenny · Sept 29
We love Factor & Fund! They made invoice factoring quick and hassle-free.
@candice · Oct 4
Great experience! They helped improve our cash flow in record time.
@wu · Oct 8
Professional team, fast approvals, and clear terms. Perfect for small businesses.
@zahir · Oct 15
Highly recommend Factor & Fund for their fast, flexible, and transparent service.