💡 Summary #
Invoice factoring is a way for your business to turn unpaid invoices into instant working capital.
Instead of waiting 30, 60, or 90 days for customers to pay, Factor & Fund buys your invoices and pays you up to 90% – 95% of their value within 24–48 hours.
⚙️ How It Works #
- You complete work or deliver goods to your customer.
- You send Factor & Fund the invoice instead of waiting for payment.
- We verify your customer (the debtor) and confirm the invoice details.
- We advance up to 90% of the invoice amount to you.
- When your customer pays, we release the remaining 10% (minus a small factoring fee).
📈 Why Businesses Use Factoring #
- Faster Cash Flow: Get paid in days instead of months.
- No New Debt: It’s not a loan, so no credit impact or repayments.
- Predictable Growth: Cover payroll, buy inventory, and expand without waiting for receivables.
- Flexible: You choose which invoices to factor.
- Simple Approval: We focus on your customer’s payment strength, not your credit score.
🧾 Example #
| Invoice Amount | Advance % | Advance Paid | Reserve Released (minus fee) |
|---|---|---|---|
| $100,000 | 90% | $90,000 | $10,000 – “factoring fee” |
❓ FAQ #
Is invoice factoring a loan?
No. You’re selling your receivable for immediate cash. There’s no repayment schedule or interest.
How fast can I get funded?
Usually within 24–48 hours once your documents and invoices are verified.
Do you contact my customers?
Yes, but only to notify them of payment instructions (Notification of Assignment). It’s professional and transparent.
