Sell or borrow against unpaid invoices; the funder is repaid when your customer pays.
Long payment cycles with creditworthy customers.
Priced per month outstanding; some funders contact your customers.
At a glance
| Family | Non-dilutive debt & advances |
| What gets underwritten | Your customers' invoices |
| Collateral | Receivables |
| How you repay | Customer pays invoice |
| Dilution | None |
| Typical pricing | About 12–36% a year (flat fee or APR) |
| Typical time to cash | About 3 days to about 5 days |
| Good for | Working capital |
Invoice factoring & AR financing providers compared
Sorted by the low end of the estimated rate as of today. Your actual cost depends on your revenue, credit profile and term — the calculator works it out for you.
| Provider | Estimated as of today | Time to cash | Typical size | Requirements | Regions |
|---|---|---|---|---|---|
| eCapital Factoring & ABL |
Rates shown to approved members estimated |
About 3 days | Up to 90% of unpaid invoices | Existing revenue · Unpaid B2B invoices | US · UK |
| Triumph Invoice factoring (TBK) |
Rates shown to approved members estimated |
About 3 days | Up to 90% of unpaid invoices | Existing revenue · Unpaid B2B invoices | US |
| altLINE Invoice factoring (The Southern Bank) |
Rates shown to approved members estimated |
About 5 days | Up to 90% of unpaid invoices | Existing revenue · Unpaid B2B invoices | US |
| Riviera Finance Invoice factoring |
Rates shown to approved members estimated |
About 5 days | Up to 90% of unpaid invoices | Existing revenue · Unpaid B2B invoices | US |
Is invoice factoring & AR financing right for you?
See how it stacks up against every other way to raise — priced for your amount, revenue and timeline.
Other funding types
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.