Doing business in New York means thinking big, moving fast, and staying one step ahead. But even the most dynamic companies can get tripped up by slow-paying clients or working capital crunches. At Factor & Fund, we help New York businesses of all sizes unlock their full potential—by transforming outstanding invoices into the cash you need to seize every opportunity.
What Is Invoice Factoring?
Invoice factoring is a proven, debt-free financing solution for modern New York businesses. Here’s how it works:
- You sell your unpaid B2B invoices to Factor & Fund.
- Receive up to 95% of the invoice value in as little as 24 hours.
- When your client pays, you get the remaining balance minus a small fee.
No long approval cycles, no loans, and no restrictive banking hoops. Qualifying is based on your customers’ creditworthiness, not yours—making it ideal for everything from startups and growth-mode enterprises to established industry leaders.
Why New York Businesses Choose Factor & Fund
New York is home to powerhouse industries—finance, healthcare, logistics, staffing, manufacturing, technology, creative, and professional services. What they all have in common: outstanding invoices and the need for steady, reliable cash flow.
With Factor & Fund, you get:
- Lightning-fast funding—cash in your account in 24–48 hours
- Flexible terms that grow with your business
- No debt, equity loss, or personal credit risk
- Personalized support from finance professionals who know New York
- Transparent rates—just 2.25% to 7% per invoice, no surprises
- Easy online onboarding and client portal
Need funding for a major project, covering payroll, or pursuing expansion? Don’t wait for slow payments—get capital when you need it.
Industries We Serve in New York
🏙️ Professional & Tech Services – Accelerate growth for consultancies, marketing agencies, designers, recruiters, IT providers, and more.
🏥 Healthcare & Medical Practices – Manage payroll and supply costs while awaiting insurance or institutional payments.
🚛 Transportation & Logistics – Keep your fleet moving and crews paid, even with 30–90 day customer terms.
📦 Wholesale, Distribution & Import/Export – Replenish inventory, fulfill more orders, and scale up without cash bottlenecks.
🏭 Manufacturing & Fabrication – Cover production costs and supplier payments with fast cash flow.
Factor & Fund: A Smarter Solution Than Bank Financing
Unlike traditional business loans, invoice factoring is not debt and doesn’t tie up your credit or require collateral. With Factor & Fund, you control which invoices to factor, and there are no restrictive covenants or hidden fees.
Get Started: Apply in Minutes. Funded in Hours.
Has slow AR been holding your New York business back? Now you can apply online in minutes and receive a decision the same business day. Most businesses get funding within 24–48 hours—no matter your industry, company size, or capital needs.
Apply Today – Get Funded in 24–48 Hours
Don’t let slow payments slow you down.
👉 Apply Now
📧 Email: ff@FactorAndFund.com
📞 Call: (888) 884-4823
Frequently Asked Questions
Who qualifies for invoice factoring?
Any New York business invoicing at least $20K/month to other businesses or institutions—with clients that pay on net terms.
Will factoring affect my credit?
No—it’s not a loan. Approvals are based on your customer’s payment strength, not yours.
How soon can I get funds?
You can be funded as quickly as 24–48 hours after setup and invoice submission.
Serving All of New York
Factor & Fund supports B2B companies across New York City, Brooklyn, Queens, the Bronx, Staten Island, Long Island, Buffalo, Rochester, Albany, and beyond.