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Recourse Factoring: You buy back invoices if your customer doesn’t pay.

Non-Recourse Factoring: We take the risk (higher fee, strict eligibility). Generally, we do not do non-recourse factoring. 

Invoice factoring is a financial service in which your business sells unpaid invoices to Factor & Fund for immediate cash. This unlocks working capital, helps cover expenses, and supports business growth – without creating new debt or affecting your balance sheet.

• You choose invoices to factor (as few or as many as you want).
• Factor & Fund reviews your customers’ credit—not just yours—for approval.
• We advance you up to 95% of each invoice’s value, usually within 24–48 hours.
• Your client pays Factor & Fund directly, per your normal payment terms.
• Once payment is received, we send you the balance (reserve), minus a small, fully transparent fee.

No. Factoring is not a loan – no repayments, no monthly debt, no impact on your credit score. Your company sells its right to collect on invoices; we take on collections so you can focus on your business.

Factor & Fund can fund you within 24–48 hours after approval – sometimes same-day for established clients.

Our fees are transparent and competitive, typically between 2.25% and 7% per invoice (depending on customer reliability, industry, and volume). There are no hidden charges, and you only pay for what you factor.

You’ll typically receive between 80% and 95% of the invoice value upfront, with the reserve paid after collection.

Yes. With “spot factoring,” Factor & Fund lets you select specific invoices – factor only those you want, when you want. No long-term commitment required.
You can choose from the beginning you can choose “Spot Factoring” or “Term Contract”. What ever works better for you. 

Any B2B business or government vendor waiting on payment: trucking, freight, manufacturing, staffing, wholesale, e-commerce, IT, professional services, agencies, security services and more.

No. Startups and young companies are welcome if your customers are established or creditworthy.

Yes. Factoring requires payment to be redirected to Factor & Fund. However, we contact customers courteously, maintaining your professional reputation. 

For special requirements, “White-label” support available.

Recourse Factoring: You buy back invoices if your customer doesn’t pay.

Non-Recourse Factoring: We take the risk (higher fee, strict eligibility). Generally, we do not do non-recourse factoring. 

• Simple application
• AR aging report
• Copies of invoices
• Basic company/customer info
• Bank details

No. We focus on your customers’ ability to pay – not your personal credit score. Your company and your customers’ company health is what matter. 

• Factoring: Immediate cash, no debt, we collect payment.
• Invoice Financing: Loan-like, invoices as collateral, you collect payment.
• Loans/Lines of Credit: Traditional debt, may require stronger credit, slower approval.

Purchase order financing is a short-term funding solution that helps your business pay suppliers up front for goods or materials needed to fulfill large customer orders. It bridges the cash flow gap between winning the order and invoicing your client, so you never have to turn down growth opportunities.

PO financing is ideal for importers, exporters, manufacturers, wholesalers, and distributors with valid purchase orders from creditworthy business or government customers. You’ll need reliable suppliers and a proven ability to fulfill orders.

We pay your supplier directly for the goods or materials required to fulfill the purchase order. This can cover local or international suppliers, shipping, and related costs. Once you deliver goods and invoice your customer, you can also use invoice factoring with us for continuous cash flow.

Our approval workflow is fast – typically, you’ll receive a preliminary response within 48–72 hours, with funding arranged within 5–10 business days after all requirements are met. Supplier payments happen immediately once you’re approved.

Yes! PO financing can be structured to cover specific suppliers, split shipments, or staged payments tied to production or shipping milestones. We also support US-based and cross-border deals in major markets.

PO financing is for “hard goods” only – not services. If you offer services with recurring billing or future receivables, Factor & Fund can provide other financing solutions to fit your needs.

Typically, PO financing is available for orders of $50,000 or more. Exceptions may be made for recurring smaller orders with robust margins and reliable customers – just ask!

You’ll need:

• A valid customer purchase order
• Supplier quote/invoices
• Business info, including contacts and recent financials
• Delivery plan and timeline

You are responsible for ensuring the PO is fulfilled and payment is collected. We mitigate risk by only financing creditworthy POs, suppliers, and products. If the order is not paid, or there’s a dispute, you’ll need to repay the financing or liquidate the goods, per your agreement.

No – use us only when you need to bridge cash flow gaps to fulfill larger orders. There’s no long-term contract required.

Unlike banks, we analyze your business like seasoned investors. We look at your vision, growth metrics, strategy, team, and market – instead of just financial statements or credit scores. Our goal is to unlock capital that matches your ambition, not just your collateral.

We design tailored packages combining invoice factoring, PO financing, bridge loans, milestone-based advances, or scalable growth lines. Every deal is custom – built around your business model, ramp-up strategy, and real opportunities.

We start with a deep-dive: business goals, revenue plans, competitive analysis, pain points, and growth targets. Our team works with you like partners, not just lenders, to understand what capital will truly move the needle.

Any smart, serious company with clear growth ambitions, scalable revenue models, and solid team vision – especially startups and high-growth businesses ready to go from A to Z.

After your initial call and business review, strategic funding plans can be proposed within days. Once the right solution is chosen and you provide supporting documents, funding can be available in as little as 24–72 hours for many programs.

We don’t fit businesses into rigid lending templates. We build inventive solutions – gap bridging, testing pivots, pre-IPO strategies, or scaling packages – using cash flow tools, not just generic loans.

Not always. Many solutions are non-dilutive (no equity given) and tailored by deal size, risk profile, and growth plan. If personal guarantees are needed, we make terms fair and aligned with your stage and needs.

Our partnership is continuous. As you hit new milestones – revenue targets, customer wins, expansion – we’re ready to adapt your funding structure so you stay powered for growth.

Factor & Fund Scaling Studio analyzes your business like an investor – not just a banker. We consider your growth strategy, metrics, and market potential, offering custom, flexible funding solutions that are designed specifically for startups and scaling companies.

We offer a mix of milestone-based advances, invoice factoring, purchase order financing, and bridge loans – each tailored to your business needs, timeline, and market opportunities.

After consultation and approval, most clients receive access to capital within 24–72 hours – so you can focus on scaling immediately.