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Invoice Factoring · 2026

Invoice Factoring — Turn Unpaid Invoices Into Cash Now

Waiting 30, 60, or 90 days to get paid? Advance your invoices into cash you can use today.

$25K–$5Mfunding range
24 hrstypical funding
500+credit scores OK
All industriesdirect funder
No collateralfor working capital

See how much your business qualifies for

$25K to $5M — approved on your revenue, funded in as little as 24 hours. A direct funder built for speed. No collateral for working capital.

  • ✓ 500+ credit
  • ✓ 6+ months open
  • ✓ $10K+/mo revenue
1-Minute Application

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Start your application in about a minute. A real decision fast — soft credit pull, no obligation.

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🔒 Soft credit pull · will not affect your credit score

Short answer: Invoice factoring turns your unpaid B2B invoices into immediate cash — you advance a large share of the invoice value now and receive the rest (minus a fee) when your customer pays. Approval leans on your customers' credit, not just yours, so it works well for businesses with strong clients but tight cash flow.

How invoice factoring works

The typical structure through Direct Fast Funding. Advance rates and fees vary by customer credit and invoice.

StepWhat happensTiming
Submit invoiceSend an approved B2B invoiceSame day
AdvanceReceive a large share up front1-2 days
Customer paysThey pay the invoice as normal30-90 days
Reserve releasedYou get the rest minus the feeOn payment

Why businesses factor invoices

  • Unlock cash already earned but unpaid
  • Approval leans on your customers' credit
  • Not new debt — you advance your own receivables
  • Funds in days, not the 30-90 day wait
  • Scales as your billings grow
  • Keeps payroll and operations moving

What you need to apply

  • US-based business that invoices other businesses
  • Invoices to creditworthy commercial customers
  • Completed or delivered work
  • Valid EIN and business bank account
  • Recent invoicing / AR aging

Frequently asked questions

What is invoice factoring?
It's a way to get paid now on invoices your customers haven't paid yet — you advance most of the value immediately and get the rest, minus a fee, when they pay.
How much of the invoice can I get up front?
Advance rates commonly reach around 80-90% of the invoice value, with the balance released on payment.
Is factoring a loan?
No — you're advancing your own receivables, so it isn't new debt the way a loan is.
Does my credit matter?
Less than usual — approval leans on the creditworthiness of the customers who owe you.
How fast can I get funded?
Once set up, invoice advances typically fund within 1-2 business days.

Turn invoices into cash now

Apply in 5 minutes. Stop waiting months to get paid on work you've already done.

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Figures shown are typical 2026 industry ranges and vary by underwriting; actual terms are set at application. Funding is subject to approval. Product and company names referenced are the property of their respective owners.

Get funded in 24 hours

Approved on your revenue, not just your credit. Start your 1-minute application.

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Why owners choose Direct Fast

A direct funder — no broker layer, no runaround. Fast capital approved on your revenue.

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Funded in 24 hours

Decision in as little as 4 hours, money wired in 24–48. Same-day for clean files.

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Direct funder — no brokers

You deal with the funder, not a middleman. Faster answers, better terms, no stacked markups.

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Approved on your revenue

500+ FICO accepted. We underwrite on your bank deposits and sales, not just your score.

Ready to get funded?

Approved on your deposits, not just your score. Funded in as little as 24 hours.

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Before you go

See how much your business qualifies for

$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.

START MY 1-MINUTE APPLICATION →

No obligation · takes about a minute