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What is Invoice Financing?

Invoice financing—often called accounts receivable financing—allows business owners to finance outstanding invoices. Invoice financing companies advance you cash collateralized by your unpaid invoices, giving you an excellent way to put money back into your business. With invoice financing, you can get a fast advance of about 85% of the value of your invoices, with most of the other 15% paid to you later.

Up to 100% of invoices

Maximum Loan Amount

Until the invoice is paid

Loan Term

4.9% - 9.9%

Interest Rates

As little as 1 day


Things to consider


  • No need to wait for invoice payment
  • Invoices serve as collateral
  • Reasonable interest rates
  • Based on credit of the invoiced business


  • Must be in business at least 1 year
  • Must make at least $25,000 a year

Most customers who were approved had

Annual Revenue

Over $25K

Credit Score


Time in Business

Over 1 year

Compared to other loan types 

Loan TypesMax AmountInterest RateSpeed
SBA Loan$5K - $5MStarting at 6.75%As fast as 3 weeks

Commercial Lending$25K to $5M7% - 30%As fast as 2 days
Invoice FinancingUp to 100% of
invoice value
8% - 30%As little as 1 day
Line of Credit$10K to over $1M7% - 25%As little as 1 day

Merchant Cash Advance$2.5K - $500K1.14 - 1.49As little as 1 day
Business Credit Card$500 - $250K0% - 25%As fast as 7 days