FINANCING INFORMATION • OPTIONS SUBJECT TO ELIGIBILITY & PROVIDER TERMS
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FINANCING / INVOICE FACTORING

Turn eligible invoices into earlier cash flow

Invoice factoring is a transaction in which a business sells qualifying unpaid invoices to a factoring company. It may help bridge the period between completing work and receiving payment.

THE BIG PICTURE

Invoice Factoring in context

Factoring focuses on receivables and the quality of the customers who owe them, rather than solely on a traditional loan structure.

Business-to-business receivables

Invoices owed by commercial customers may be evaluated for eligibility.

Long customer payment terms

Businesses with 30-, 60-, or 90-day customer terms may explore earlier access to cash.

Growing order volume

Factoring may be considered when receivables grow faster than cash collections.

BEFORE YOU APPLY

What to think through

A clear picture of your business and financing purpose makes it easier to compare options.

01

Review the invoices

Confirm invoices represent completed, accepted work and identify customer payment terms.

02

Understand customer notification

Some arrangements require the customer to pay the factoring company directly.

03

Compare the full cost

Ask about discount fees, minimum volumes, recourse provisions, and contract terms.

IMPORTANT TO KNOW

Understand the terms, not just the headline.

Factoring is different from a conventional business loan. Fees, customer eligibility, recourse, notification, and contract requirements vary.

Ask any potential provider for a written explanation of costs, repayment obligations, fees, and conditions before signing.

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YOUR NEXT MOVE

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