Factura Funding
Funding, when you need it.

Turn your unpaid invoices into working capital.

Whatever you sell and whoever you sell to, the money you're owed shouldn't sit waiting. We buy your invoices and pay you now, so you can keep your business moving. It is a sale of an invoice. It is not a loan.

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Where your invoice money goes
  1. You send the invoiceDay 0
  2. It is paid to youWithin days
  3. Your customer pays on its normal termsNet 30–120
  4. Any balance comes back to youSame day

The fee is charged by the day, so an invoice that is paid sooner costs less. The share paid up front and the fee depend on your customer, your industry and our review. We quote exact terms after we look at your invoices.

How it works

Four steps from invoice to cash

You have delivered the work and sent the invoice. Your customer will pay, but on its schedule. We close the gap between the two dates.

  1. STEP 1

    Send us the invoice

    Along with the purchase order or contract it was billed against. One invoice or a steady stream of them.

  2. STEP 2

    We confirm it with your customer

    We match the invoice to your customer's own records: its purchase order, its supplier portal, its accounts payable team, or a public award record.

  3. STEP 3

    You get paid

    We buy the invoice and pay you right away. You use it for materials, payroll or the next order.

  4. STEP 4

    Your customer pays us directly

    Your customer pays the invoice to a dedicated account on its normal schedule. Our fee is settled then, and any balance comes back to you.

Who it's for

If you bill and wait, this is for you

If you bill other businesses or government and wait to get paid, this is for you. Every situation is different, so we look at each one individually instead of using a checklist.

Who your customers are

Your customers' payment history matters more to us than your own size. Companies, agencies, institutions and organizations of every kind can work.

The work you've billed for

Invoices for goods you've delivered or services you've performed. A purchase order, contract or other record of the work helps us move faster.

How you get paid

We work out with you how your customer's payment reaches us, in a way that fits your contracts and your relationship with them.

Invoice financing is a tool for growth. The businesses we work with use it to take on bigger orders, hire sooner and say yes to the next opportunity.

Businesses that use this

  • Have customers who pay in 30, 60, 90 days or longer.
  • Are new, established, small or large. There's no minimum or maximum size.
  • Are growing faster than their bank line, or don't have one.
  • Have to buy materials or hire before they can send the invoice.

Not sure you fit?

  • Apply anyway. Applying is free, and we read every application.
  • If invoice financing isn't the right tool for you, we'll tell you plainly and point you toward what might be.
  • One invoice, one customer, or all of them: you choose what to fund.
Industries

We work in all of them

Wherever one business waits to be paid by another, we can help. A few examples of who we work with:

IndustryWho they billFor example
Manufacturing and industrialManufacturers, distributors and contractorsMachine shops, parts makers, fabricators
Defense, aerospace and governmentContractors and federal, state and local agenciesComponent makers, public-contract vendors
Energy, utilities and infrastructureUtilities, developers and their contractorsElectrical, equipment and field service firms
Food, beverage and consumer goodsGrocers, retailers, restaurants and brandsCo-packers, growers, ingredient suppliers
Technology and telecomCarriers, data centers and businesses of every sizeIT, installation and network services
Professional and business servicesCompanies, institutions and nonprofitsEngineering, staffing, marketing, consulting
Transportation and logisticsShippers, manufacturers and retailersWarehousing and logistics providers

Don't see your industry? It doesn't matter. Apply and tell us about your business.

Questions

What businesses ask us

Is this a loan?

No. You sell us an invoice at a small discount and we collect it from your customer. It adds no debt to your balance sheet, and what you can fund grows with your sales instead of with a credit limit.

Will my customer know?

Usually, yes. In most cases your customer is told about the arrangement and pays the invoice to a dedicated account. This is common practice and protects everyone involved. Your relationship with your customer stays yours.

What does it cost?

The fee is a small percentage of the invoice for each day it is outstanding, so an invoice paid in 45 days costs less than one paid in 90. The rate and the share paid up front depend on your customer and industry. We give you exact terms in writing before you sell us anything.

Do I have to finance every invoice?

No. Tell us which customers and invoices you want to fund. Some businesses fund everything, and others only their slowest-paying account.

What do you need from me?

To start, nothing but the short form below. Later we'll ask for the invoices you want to fund and whatever records you have behind them, and we'll work with what you have.

Apply

Apply for funding

Ten questions. No documents needed yet. We read every application and reply to the email you give us.

Applying is free and commits you to nothing.