💡 Summary #
Most clients receive funding within 24–48 hours after submitting all required documents and invoices.
Factor & Fund’s process is built for speed – our verification system and direct fund flow control allow us to release capital faster than banks or traditional lenders.
⚙️ Funding Timeline Overview #
| Stage | Action | Estimated Time |
|---|---|---|
| 1. Application Received | You apply online and upload required documents. | Same day |
| 2. Verification & Risk Review | We verify your company, invoices, and buyer (debtor). | 1 business day |
| 3. Approval & Agreement Signing | You e-sign the factoring documents and NOA. | Within hours |
| 4. Initial Funding Sent | Factor & Fund wires up to 95% of approved invoices. | 24–48 hours total |
Subsequent fundings are often same-day once you’re an approved client.
📈 What Can Affect Funding Speed #
- Missing or incomplete documents (W9, bank statements, invoices).
- Delays in buyer verification or response to NOA.
- New clients vs. returning clients (repeat clients are funded faster).
- Weekend or bank holiday processing times.
✅ Tips to Get Funded Faster #
- Upload complete and clear invoices — one per job or shipment.
- Include buyer contact info (accounts payable name, email, phone).
- Use your company email domain (not Gmail/Yahoo).
- Respond quickly to our verification emails or calls.
❓ FAQ #
Can I get funded the same day I apply?
Sometimes. If your buyer is already verified and documents are complete, funding can happen same day.
How will I receive the funds?
Via ACH or wire transfer directly to your business bank account.
Is the 24–48 hour estimate for every funding?
No. After setup, future invoices can be funded the same day once verified.
