Our Products: Tailored Factoring Solutions for Every Business
At Factor & Fund, we offer a range of flexible factoring solutions designed to meet the unique needs of your business. Whether you’re looking for short-term cash flow solutions or ongoing financing, our products are built to keep your business moving forward.
Invoice Factoring: Fast Access to Capital
Our core product, Invoice Factoring, helps you convert unpaid invoices into immediate working capital. Instead of waiting 30, 60, or even 90 days for customers to pay, we advance you up to 90% of the invoice value within 24 to 48 hours. Once your customers pay, we remit the remaining balance, minus our fee.
Key Features:
- Advance Rate: Up to 90% of the invoice value.
- Rates: Between 2.25% and 7% per invoice (for 30 days, extendable up to 90 days).
- Fast Funding: Receive funds within 24 to 48 hours.
- No Hidden Fees: Transparent pricing with no surprises.
Start Factoring Today
Spot Factoring: Flexible Financing When You Need It
With Spot Factoring, you can choose to factor invoices on a case-by-case basis. This gives your business the flexibility to factor only the invoices you need, without committing to a long-term contract. Whether it’s to cover a sudden cash flow gap or finance a new opportunity, Spot Factoring ensures you have access to capital when it matters most.
Key Features:
- No Long-Term Commitment: Choose when and which invoices to factor.
- Quick Approval: Simple process with approval in 24 hours.
- Tailored to Your Needs: Factor only the invoices you want, with flexible terms.
Learn More About Spot Factoring
Accounts Receivable Financing: Continuous Access to Working Capital
If you need a steady source of cash flow, Accounts Receivable Financing is the ideal solution. We allow you to borrow against your accounts receivable, giving you consistent access to funds as new invoices are issued. Unlike traditional loans, this product doesn’t add debt to your balance sheet—it’s a flexible way to keep your business growing.
Key Features:
- Ongoing Financing: Access funds continuously as you issue new invoices.
- No Debt Incurred: Unlike traditional loans, AR financing doesn’t add debt to your business.
- Flexible Terms: Financing up to 90 days on outstanding invoices.
Explore AR Financing
Contract Factoring: Long-Term Solutions for Steady Cash Flow
If you have long-term contracts with recurring invoices, Contract Factoring provides a continuous cash flow solution. We help you unlock the value of your receivables with ongoing advances on future payments, ensuring that your business has the capital it needs to meet long-term obligations and growth goals.
Key Features:
- Advance on Future Payments: Get an advance on contracts with recurring payments.
- Steady Cash Flow: Ongoing financing based on long-term contracts.
- Custom Terms: Tailored to fit the terms of your contract.
Contact Us for Contract Factoring
Industry-Specific Factoring Solutions: Customized for Your Business
At Factor & Fund, we recognize that each industry has its own unique cash flow challenges. That’s why we offer tailored factoring solutions for a variety of sectors. Whether you’re in transportation, healthcare, manufacturing, or retail, our industry-specific factoring products are designed to meet your business’s exact needs.
Key Industries:
- Transportation: Cover fuel costs and operating expenses with quick access to cash.
- Healthcare: Get paid for services rendered without waiting for insurance reimbursements.
- Manufacturing: Maintain production schedules by accessing working capital faster.
- Wholesale & Distribution: Improve cash flow to manage inventory and logistics.
See How We Can Help Your Industry
Fast and Simple Process
Our process is designed to get you the funds you need quickly, with transparent terms and no hidden fees. Apply today and get approved within 24 to 48 hours, with funds disbursed as soon as your invoices are approved.
Apply for Factoring Now