Invoice Factoring
Invoice Factoring
Unlike traditional bank loans, invoice factoring does not burden your company with a fixed payment schedule. Capital Business Funding purchases your invoices and accelerates your cash flow by converting your accounts receivable into cash. This allows you to cover necessary business expenses such as payroll or inventory purchases. Capital Business Funding provides up to 90% of the total asset value up front, with the rest (less our discount fee) paid to the client when the invoice is received.
Receivable funding can be a short-term solution, or part of an ongoing financing program to help your company grow and prosper. Start-up companies, and other businesses with limited history or balance sheet strength, can access the funds they need to fuel growth. Best of all, our clients regain control of their financial situation with a steady and reliable resource for working capital.
Unlike traditional bank loans, invoice factoring does not burden your company with a fixed payment schedule. Capital Business Funding purchases your invoices and accelerates your cash flow by converting your accounts receivable into cash. This allows you to cover necessary business expenses such as payroll or inventory purchases. Capital Business Funding provides up to 90% of the total asset value up front, with the rest (less our discount fee) paid to the client when the invoice is received.
Receivable funding can be a short-term solution, or part of an ongoing financing program to help your company grow and prosper. Start-up companies, and other businesses with limited history or balance sheet strength, can access the funds they need to fuel growth. Best of all, our clients regain control of their financial situation with a steady and reliable resource for working capital.
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Frequently Asked Questions
Capital Business Funding considers these factors when determining client pricing:
- Average Invoice Size
- Industry/Risk
- Monthly Billing Volume
- Average Days To Payment
Fees usually range from 1.25%-1.99% monthly based on the invoice amount.
An Advance Rate is the amount of money you receive when your invoice is purchased. The remaining balance is returned to you when your customer pays the invoice. Our standard advance rates are typically 85% of the gross value of the invoice.
We respond to our requests within 24 hours of receiving the complete application. You can view and fill out the application here.
No. Our clients can choose which invoices will enable them to support their short-term working capital needs.
Unlike many competitors, we do not require long-term contracts, and our contracts do not contain onerous termination clauses. Our ultimate goal is to help clients grow and experience long-term success. The client can choose how long to remain with Capital Business Funding. Some clients need our services for a few months while other clients have been with us for over ten years.
No. Your discount fee is all inclusive. There are no add-on fees such as processing or lock box fees.
Client Testimonials
Client Testimonials
- "Capital Business was very proactive in helping me acquire an existing company, where no other traditional banks would assist with the acquisition financing. They were very flexible and competitive. They showed me they wanted to earn my business and still do, every day."
-Michael Silverstein
- "Capital Business was able to set up a separate line of credit while maintaining my current banking relationship by funding certain clients that were preventing me from growing my business. They didn’t require a long term contract and said to use them only when needed."
-Anna S. Scott
- "Capital business has always done what they said they would do from the beginning of the relationship. They are always available and we continue to enjoy the friendly and professional service that they consistently provide."
-Phil Clark