💡 Summary #
Factor & Fund helps businesses that sell products or services to other businesses (B2B) and issue invoices with net payment terms (e.g., Net 30, 45, or 60).
If you’re waiting on customers to pay and want faster access to that cash — you likely qualify.
⚙️ Basic Eligibility Requirements #
Your business should meet most of the following criteria:
- B2B or B2G company (selling to businesses or government, not consumers).
- Active and registered in the U.S. with valid EIN and business bank account.
- At least 6 months in operation with consistent sales.
- Invoices for completed work or delivered goods (no prepayments or deposits).
- Buyers with good payment history – that’s who Factor & Fund ultimately verifies.
- Minimum monthly receivables: generally $20,000+.
- No major tax liens, bankruptcies, or undisclosed UCC filings.
🧾 Ideal Clients Include #
- Trucking and transportation companies hauling for brokers or shippers.
- Manufacturers fulfilling purchase orders for distributors or retailers.
- Staffing agencies billing clients weekly or monthly.
- Wholesalers and distributors selling on net terms.
- Service providers with repeat B2B clients (marketing, repair, logistics, etc.).
❌ Not Eligible #
- B2C companies (selling directly to consumers).
- Startups without invoices or accounts receivable.
- Invoices tied to medical, construction progress billing, or insurance claims.
- Personal or consumer debts.
❓ FAQ #
Do I need perfect credit to qualify?
No. We focus on your customer’s ability to pay, not your credit score.
Can startups apply?
Yes, if you already have active invoices with established buyers.
What documents do I need?
Basic business info, W9, last 3 months of bank statements, invoices, and buyer contact details.
