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Funding Program · Receivables-based

Invoice Financing.

Stop letting Net-30, Net-60, and Net-90 terms decide your cash flow. Invoice financing turns the receivables already sitting in your books into spendable cash today — typically up to 90% of an invoice’s value, delivered the same business day. No new debt. No waiting on your customer’s AP team to cut a check.

4.9/5 TrustpilotNot a loan · no new debt
Advance rate
Up to 90%
Funding speed
Same-day
Invoice terms
30 – 90 days
Credit score
550+
B2B only · No personal collateral
Use Cases

Best For

  • B2B businesses billing on Net-30, Net-60, or Net-90 terms
  • Staffing agencies & consultancies invoicing corporate clients
  • Wholesale distributors & manufacturers shipping to retail
  • Trucking & logistics companies invoicing brokers or shippers
  • Marketing, design & professional service firms on net terms
Requirements

Who Qualifies

  • A B2B or B2G business model (you invoice other companies, not consumers)
  • Invoices issued to creditworthy commercial customers
  • 3+ months in business
  • $10,000+ in monthly invoice volume

Mostly invoicing consumers (B2C)? Working Capital (MCA) is usually the better fit — invoice financing only works against business-to-business receivables.

Key Features

Cash flow that doesn’t wait on Net-60.

Cash in 24 hours, not 60 days

Submit an approved invoice in the morning and the advance — up to 90% of face value — typically lands the same business day. Stop letting Net-60 terms cap your growth.

We underwrite your customers, not you

Approval looks at who's paying — not just who's borrowing. Even early-stage and credit-challenged businesses qualify when their invoices are issued to strong commercial clients.

Not a loan — no new debt

You're advancing money you've already earned, not borrowing against future revenue. Nothing hits your balance sheet as debt, and there's no fixed monthly payment to plan around.

Optional collections support

Use full-service factoring and we'll handle collection follow-ups professionally on your behalf. Or keep collections in-house with non-notification financing — your call.

Funding in action

Real receivables, real same-day cash.

Recent invoice advances across the industries we fund every day.

Advanced
$85K
Staffing

Advanced against Net-45 client invoices to fund weekly payroll

Advanced
$32K
Trucking

Got paid the day a load was delivered — broker pays in 60

Advanced
$120K
Wholesale

Cashed a national retail chain's PO/invoice on Net-90 terms

“Our biggest client pays beautifully — sixty days after invoice, every single time. We were turning down work to protect payroll. Now we advance every invoice the day we send it and run the agency at twice the size with the same balance sheet.”
Adaeze Mensah
Keystone Talent Partners · Staffing

Compare funding programs side-by-side.

Working Capital / MCA
Funding amount
$5K – $500K
Approval time
Same-day – 24 hrs
Term length
3 – 18 mos
Credit score
550+
Collateral
Not required
Best for
Quick cash flow
Term Loans
Funding amount
$10K – $250K
Approval time
2 – 5 days
Term length
3 – 24 mos
Credit score
650+
Collateral
Optional
Best for
Major investments
Line of Credit
Funding amount
$10K – $100K
Approval time
1 – 2 days
Term length
Revolving
Credit score
600+
Collateral
Not required
Best for
Ongoing flexibility
Equipment Financing
Funding amount
$5K – $500K
Approval time
1 – 3 days
Term length
Up to 5 yrs
Credit score
550+
Collateral
Equipment
Best for
Asset purchases
You’re hereInvoice Financing
Funding amount
Up to 90%
Approval time
Same-day
Term length
30 – 90 days
Credit score
550+
Collateral
Invoices
Best for
Payment delays
SBA Loans
Funding amount
$50K – $500K
Approval time
30 – 90 days
Term length
Up to 25 yrs
Credit score
680+
Collateral
Often required
Best for
Long-term growth

Not sure which option fits you?

Choosing the right funding program depends on your goals, timeline, and business stage.

Need funds immediately for an urgent expense?

Working capital (MCA)

Offers the fastest approvals and same-day funding for eligible applications.

Learn more

Want ongoing access without reapplying each time?

Business lines of credit

Provides flexible, reusable capital you can draw and repay as needed.

Learn more

Planning a major investment with predictable repayment?

Term loans

Delivers larger amounts with fixed rates and consistent monthly payments.

Learn more

Buying specific equipment for your business?

Equipment financing

Uses the asset itself as collateral for faster, easier approval.

Learn more

Seeking the lowest rates for long-term growth?

SBA loans

Features government-backed financing for established businesses ready to scale.

Learn more

Need help deciding?

Our Funding Specialists will review your situation and recommend the best solution for your business — at no cost and with no obligation.

Get funding started(888) 744-8119

From application to funding — simplified.

  1. Step 1

    See if you qualify

    Share a few business details — it takes less than a minute. No paperwork or hard credit pull; we'll start your funding review right away.

  2. Step 2

    Connect with a funding specialist

    A real human reviews your info and calls to understand your goals. If you qualify, you'll receive a simple one-page application to continue.

  3. Step 3

    Finalize your application

    Complete the one-page form so underwriting can review and prepare your approval. Your specialist keeps the process fast, clear, and completely transparent.

  4. Step 4

    Sign & fund fast

    Review and e-sign final paperwork — most approvals fund within hours. Funds land directly in your business account.

A small business owner using LendPeak from her laptop, with a 5-star testimonial card overlay
Ready to grow?

Get matched with a funding specialist today.

Pre-qualify in 60 seconds — soft credit pull, no documents, no obligation.

See if you qualify