Factoring Solutions in USA

Unlock your working capital and accelerate business growth with flexible factoring services designed specifically for manufacturing and industrial businesses across the United States.

What is Factoring?

Factoring allows you to convert your accounts receivable into immediate cash, providing the working capital you need to grow your manufacturing operations.

How Factoring Works

1

Invoice Your Customer

You complete work and invoice your customer as usual.

Invoice Your Customer
2

Submit to Us

Submit your invoice to us for immediate funding.

Submit to Us
3

Receive Cash

Get up to 90% of invoice value within 24 hours.

Receive Cash
4

We Collect

We handle collections and you receive the remainder.

We Collect

Benefits of Factoring

Improved Cash Flow

Improved Cash Flow

Access immediate cash from your receivables instead of waiting 30, 60, or 90 days for customer payments. Maintain steady cash flow to cover operational expenses.

Business Growth

Business Growth

Use the immediate capital to take on new projects, invest in equipment, hire additional staff, or expand your manufacturing operations without waiting for payments.

Credit Protection

Credit Protection

Protect your business from bad debt with non-recourse factoring options. We assume the credit risk, so you don't have to worry about customer defaults.

Fast Approval

Fast Approval

Quick and easy application process with approvals typically within 24-48 hours. No lengthy credit checks or extensive documentation required.

No Debt Created

No Debt Created

Factoring is not a loan - it's the sale of your receivables. No debt on your balance sheet, no monthly payments, and no impact on your credit.

Flexible Terms

Flexible Terms

Choose which invoices to factor and when. Flexible terms that adapt to your business needs and seasonal fluctuations in manufacturing.

Factoring Rates & Terms

Transparent pricing structure for our factoring services

Service Type Advance Rate Factoring Fee Minimum Volume Funding Time
Recourse Factoring Up to 90% 1.5% - 3.5% $10,000/month 24-48 hours
Non-Recourse Factoring Up to 85% 2.5% - 4.5% $25,000/month 24-48 hours
Spot Factoring Up to 95% 3.0% - 5.0% No minimum Same day
Invoice Factoring Up to 90% 1.5% - 4.0% $15,000/month 24-48 hours
Construction Factoring Up to 85% 2.0% - 4.5% $20,000/month 48-72 hours

Industries We Serve

Our factoring solutions are tailored for manufacturing and industrial businesses across various sectors

Manufacturing

General manufacturing, custom fabrication, and production facilities.

Industrial Equipment

Heavy machinery, industrial equipment, and component manufacturers.

Automotive

Automotive parts, components, and assembly operations.

Aerospace

Aerospace components, precision manufacturing, and defense contractors.

Factoring FAQ

Common questions about our factoring services

Recourse Factoring: If your customer doesn't pay the invoice, you are responsible for buying it back from the factoring company. This option typically has lower fees.

Non-Recourse Factoring: The factoring company assumes the credit risk. If your customer doesn't pay due to insolvency, you're not responsible. This option has slightly higher fees but provides more protection.

Once your account is set up and invoices are approved, funding typically occurs within 24-48 hours. For spot factoring or urgent requests, we can provide same-day funding in many cases. The initial setup process usually takes 2-5 business days.

We evaluate each customer individually. Generally, we look for customers with established businesses, good payment history, and creditworthiness. We work with B2B customers across various credit profiles. For non-recourse factoring, we perform more thorough credit checks on your customers.

We offer flexible terms. While we have standard contracts for ongoing relationships, we also offer spot factoring with no long-term commitment. Our contracts are designed to be flexible and can be adjusted based on your business needs.

Yes, with our selective factoring option, you maintain complete control over which invoices to factor. You can factor all invoices, specific customers, or individual invoices as needed. This flexibility allows you to manage your cash flow strategically.

We handle all collections professionally and maintain your customer relationships. Our team contacts your customers for payment, sends reminders, and manages the collection process. We work in partnership with you to ensure collections are handled respectfully and maintain your business relationships.

Ready to Improve Your Cash Flow?

Contact us today to learn how factoring can help your manufacturing business access immediate working capital.

Request a Quote