Turn Unpaid Invoices Into
Immediate Cash
Stop waiting 30, 60, or 90 days for clients to pay. Access the capital tied up in your accounts receivable today to meet payroll, buy inventory, and grow your business.
Check What You Qualify ForWhat is Invoice Factoring?
Invoice factoring is a financial transaction in which a business sells its accounts receivable (invoices) to a third party (a factor) at a discount. In exchange, the business receives immediate cash.
Unlike a loan, factoring doesn't create debt on your balance sheet. Approval is largely based on the creditworthiness of your customers, not just your business. It's an ideal solution for B2B companies that have reliable clients but experience cash flow gaps due to long payment terms.
How It Works
Submit Invoices
You provide goods or services to your B2B customers and submit the outstanding invoices to us.
Get Advanced Funds
We advance you a large percentage (typically 80-90%) of the invoice value within 24 hours.
Customer Pays
Your customer pays the invoice according to their terms. We return the remaining balance to you, minus a small fee.
Is Invoice Factoring Right for You?
The perfect solution for growing B2B businesses that need to stabilize cash flow.
Ideal For
- B2B Service Providers: Consulting firms, IT services, and marketing agencies waiting on net-30 or net-60 terms.
- Staffing Agencies: Companies that need to meet weekly payroll while waiting for clients to pay invoices.
- Transportation & Logistics: Freight and trucking companies that need immediate cash for fuel and maintenance.
- Manufacturing & Wholesale: Businesses needing capital to fulfill new large orders.
Key Benefits
Immediate Cash
Turn accounts receivable into working capital in as little as 24 hours.
No Debt Added
Factoring is an advance on your own money, so it doesn't add liabilities to your balance sheet.
Easier Approval
Approval focuses heavily on the credit strength of your customers, not just your business.
Scales with Growth
As your sales increase, so does your available funding capacity.
Why Fundja Capital?
We aren't just a lender; we are your strategic partner in capital structuring. We bridge the gap between your growth vision and the complex lending market.
- Strategic PositioningWe structure your application to highlight your business's strengths, maximizing your approval odds.
- Access to Top-Tier LendersOur deep relationships with multiple factoring partners ensure you get the highest advances and lowest fees.
- Expert OptimizationWe identify and fix potential red flags in your profile before lenders ever see them.
Common Use Cases
Invoice factoring provides the liquidity needed to keep operations running smoothly while waiting on client payments.
Frequently Asked Questions
Everything you need to know about invoice factoring.
Check Your Funding Options
Find out how much you can get approved for today. Fast, secure, and zero impact on your credit score.*