Unlock Cash Flow Solutions That Turn Unpaid Invoices Into Immediate Working Capital
Stop waiting for invoices to clear and start moving your business forward. Factor Funding provides cash flow solutions using accounts receivable factoring designed for SMBs facing long payment cycles.
20+ years of factoring expertise
Funding in as early as 24–72 hours
No debt and no collateral required
What small businesses say about working with Factor Funding
“Factor funding co is the best!!
Their very helpful and knowledgeable on things
pertaining to the industry, I personally recommend factor funding co for all
factoring needs!!!”
The Cash Flow Problems SMBs Face With Long Invoice Payment Cycles
- Payroll due before invoices are paid
- Suppliers demanding faster payments
- Growth stalled by 60-90 days payment cycle
- Missed orders due to limited working capital
- Stress from relying on late collections
Factor Funding addresses these gaps through small business invoice factoring designed for companies that sell on credit but must operate on cash.
Learn How Accounts Receivable Financing Works
Stabilize Cash Flow and Accelerate Growth With Factor Funding Cash Flow Solutions
With small business invoice factoring, your receivables become working capital instead of a never-ending cycle of delays.
Fast Access to Working Capital
Convert unpaid invoices into cash within 24–72 hours so payroll, suppliers, and daily operations never stall.
Run Business Without Cash Flow Disruptions
Maintain steady liquidity to cover recurring expenses and operate with confidence.
Fuel for Growth
Take on bigger contracts, hire staff, expand production, and enter new markets.
Receivables Protection
Insured receivables protect your business against customer non-payment.
Unlock Supplier Discounts
Pay vendors early, unlock discounts, and improve profit margins.
Factoring Blogs
Tools and Tips to help You Get Started
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How Factor Funding Delivers Smarter Cash Flow Solutions for SMBs
Access to working capital should be built around real business needs. Factor Funding delivers cash flow solutions designed specifically for SMB.
Funding based on your customers’ credit strength, not just your business history
Cash released as early as 24–72 hours to keep the operations moving
Streamlined process with less paperwork and fewer funding barriers
Flexible funding that supports both daily expenses and growth plans
Responsive, human support when cash flow decisions can’t wait
How Factor Funding Cash Flow Solutions Work
This process is built for speed, clarity, and reliable cash flow.
Submit invoices from creditworthy customers for completed work or delivered goods.
Factor Funding reviews the invoice and verifies your customer’s payment reliability.
Receive a cash advance of 70–90% of the invoice value as early as 72 hours.
Your customer pays the invoice according to their normal payment terms.
Your customer pays the invoice according to their normal payment terms.
FAQs
Will invoice factoring make my business look financially unstable?
Many SMBs worry that using external funding signals weakness. In reality, small business invoice factoring is widely used by growing companies to manage timing gaps between billing and collections. Factor Funding handles the process professionally, ensuring your business image remains intact while your operations stay funded.
What if my business credit or D&B score is not strong?
Traditional lenders rely heavily on business credit profiles. Factor Funding evaluates your customers’ ability to pay, not your past financial history. This allows businesses with limited or imperfect credit to still access cash flow solutions based on real revenue.
Is invoice factoring only suitable for struggling companies?
Invoice factoring is commonly used by expanding businesses that sell on credit. Many SMBs use it to fund payroll, suppliers, and larger contracts. It is a growth-support tool, not a distress solution.
Smarter Growth Starts With Flexible Cash Flow Solutions for SMBs
Cash Flow Solutions by Factor Funding allows you to operate without waiting, worrying, or compromising.
- Get cash against invoices as early as 24 hours
- Fund payroll without waiting on 90 days payment cycles
- Avoid bank delays and collateral-heavy requirements
- Scale working capital as invoices increase
- Get advisor-led support with same-day responsiveness