💡 Summary #
Applying for funding with Factor & Fund is quick and secure.
You can complete the entire process online in just a few minutes — upload your documents, verify your buyers, and get funded within 24–48 hours once approved.
⚙️ Step-by-Step Application Process #
Step 1 — Complete the Online Application #
Visit factorandfund.com/apply
Provide basic business details:
- Legal business name and EIN
- Contact info and business address
- Estimated monthly receivables
- Industry type and primary customers
Step 2 — Upload Required Documents #
To verify your business and invoices, upload:
- W-9 form / EIN confirmation letter
- Articles of Incorporation or Business License
- Last 3 months of business bank statements / Connect Bank
- Most recent invoices and A/R report
- Buyer (debtor) information
Tip: Upload clear PDF copies for faster verification.
Step 3 — Verification & Risk Review #
Our team reviews your business, invoices, and buyers using:
- Secretary of State & UCC searches
- Buyer payment history
- Online reputation and background checks
This ensures safe and compliant funding for both parties.
Step 4 — Approval & E-Sign Agreements #
Once approved, you’ll receive:
- Factoring & Security Agreement
- Notification of Assignment (NOA)
- Continuing Guaranty (if applicable)
All documents are e-signed digitally for speed and security.
Step 5 — Receive Your Funds #
After signatures and buyer acknowledgment, Factor & Fund releases:
- Up to 90% advance via wire or ACH
- Remaining reserve after buyer payment clears
✅ After You’re Approved #
You’ll get access to a dedicated account representative and secure email for submitting future invoices – often funded same-day once verified.
❓ FAQ #
Is there a cost to apply?
No. Verification and application are free.
How long does approval take?
Typically within 24 hours of receiving complete documents.
Can I apply without all documents ready?
Yes, but funding cannot start until the full package is received.
