Loan Services
Invoice Factoring & Alternative Funding
Turn outstanding invoices and assets into cash without taking on new debt.
Is this you?
You already did the work and sent the invoice, and you're still waiting 60 or 90 days to get paid.
A bank turned you down and you assumed borrowing against your invoices wasn't an option for you.
You're financing your customer's payment terms out of your own pocket every month.
If any of those sound familiar, or call +1 (305) 819-3675.
Waiting on a Customer to Pay Is Not a Plan
Business to business companies often wait 30, 60 or 90 days to get paid on invoices they already earned, while payroll and vendor bills do not wait that long. Businesses that do not qualify for a bank line, or need cash faster than one can close, often assume they are out of options and let the gap sit.
80–90%
Of invoice value typically advanced within days
Why owners choose us for this
A fixed fee, quoted before we start.
You know the cost of the engagement up front, not buried inside the factoring fee.
We check the fit before we recommend factoring.
Factoring works best for business to business companies with creditworthy customers on 30 to 90 day terms. We confirm that fit before recommending it over a lower cost option.
One team tracking the reconciliation.
We help you track what your factor advances against each invoice and what comes back once your customer pays, so nothing gets lost between the two numbers.
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What you actually get
Your receivables and assets, converted to cash on a realistic timeline.
Ready when you are
How it works
- 1
Qualify
We review your accounts receivable aging, customer creditworthiness and payment terms to confirm factoring or asset-based lending is the right fit.
- 2
Match
We connect you with a factor or asset-based lender whose rates and advance percentage fit your invoice volume and industry.
- 3
Verify
Your factor verifies the invoices you submit, a step that happens quickly once documentation is organized correctly from the start.
- 4
Advance
You receive the advance, typically 80 to 90 percent of invoice value, within days of verification.
- 5
Reconcile
The remaining balance, minus factoring fees, is released once your customer pays, and we help you track the reconciliation.
Included Services & Outcomes
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Questions
Invoice Factoring & Alternative Funding FAQ
How is invoice factoring different from a loan?
Factoring sells your outstanding invoice to a factor at a discount rather than borrowing against it, so there's no loan payment or new debt on your balance sheet. The tradeoff is a factoring fee, typically higher than bank line interest.
How much of my invoice value do I actually receive?
Most factors advance 80 to 90 percent of invoice value upfront, once the invoice is verified. The remaining balance, minus the factoring fee, is released once your customer pays in full.
Does factoring hurt my relationship with my customers?
It can, since the factor typically collects payment directly from your customer. We help you choose factors experienced in your industry and structure the arrangement to minimize any disruption to the relationship.
What businesses qualify for factoring?
Business-to-business companies with creditworthy customers and 30 to 90 day payment terms are the best fit. Your own credit matters less than your customers' ability to pay, which is what makes factoring accessible to newer or credit-challenged businesses.
Is asset-based lending different from factoring?
Yes. Asset-based lending is a loan secured by receivables, inventory or equipment, so it stays on your balance sheet as debt, unlike factoring, which sells the receivable outright. ABL often carries a lower cost than factoring for businesses with strong collateral.
Put SMAART Loans behind your invoice factoring & alternative funding
Book a free consultation. We'll review your financing need, quote a fixed fee, and show you exactly which loan programs fit your business.