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Invoice

Factoring

Convert unpaid invoices into immediate cash to maintain steady cash flow and fund business operations.

$10K - $5M

Funding Range

1-3 Days

Fast Funding

Premium Financing

Invoice Factoring Overview

Our Invoice Factoring provides immediate cash by purchasing your outstanding B2B invoices at a discount. Receive 80-90% of invoice value within 24-48 hours, then receive the remainder (minus our fee) when your customer pays. Perfect for B2B businesses with net-30 to net-90 payment terms who need consistent cash flow. No debt on your balance sheet, and you can factor as many or as few invoices as needed. Fast approval with funding based on your customers’ creditworthiness—backed by our commitment to transparent rates and exceptional service.

💰 AMOUNT

$10K - $5M

⏱️ SPEED

1-3 Days

📊 RATE

1%-5% per month

📝 TERMS

30-90 days

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What Do You Need to Qualify?

Qualifying is straightforward with our flexible criteria designed for your business.

Minimum Credit Score
Not a primary factor—your customers’ creditworthiness matters most.
3+ months in business with commercial (B2B) customers.
$20,000+ monthly invoicing to businesses (not consumers).
Not a primary factor for invoice factoring approval.
Customer creditworthiness and payment history, invoice quality and legitimacy, industry type, and contract terms with customers.
Accounts receivable aging report, sample invoices, customer list with payment history, proof of work/delivery, and business formation documents.
Check Your Eligibility

Why Use Black Tie Funding for Invoice Factoring

We stand out by offering business-focused solutions with minimal paperwork, competitive rates, and transparent terms.

Immediate Cash Flow
Get 80-90% of invoice value within 24-48 hours instead of waiting 30-90 days for payment.

 

Factoring is not debt—it’s selling your receivables, so it doesn’t appear as a liability on your balance sheet.
Approval based on your customers’ credit, not yours—perfect if your business credit needs improvement.
As your sales grow, your available funding grows—factor more invoices as you generate more revenue.
Optional collections services—we can handle follow-ups with customers so you can focus on operations.
Factor all invoices or select specific ones—use as needed without long-term commitments.
See All Funding Options

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Accounts Receivable Financing

$10K–$2M, 1-3 days

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$5K–$500K, 1-3 days

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P.O. Financing

$10K–$1M, 2-5 days

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What Our Clients Say

“Black Tie’s invoice factoring helped me grow my business seamlessly—transparent and fast!”

Alex R.

Business Owner

“Black Tie’s small business funding helped me grow my business seamlessly—transparent and fast!”

Alex R.

Business Owner

“The quick funding and expert guidance made expanding my business effortless.”

Maria S.

Entrepreneur

Frequently Asked Questions

How is factoring different from a loan?
Factoring is selling your invoices at a discount for immediate cash. A loan is borrowed money you repay with interest. Factoring creates no debt on your balance sheet.
With recourse factoring (most common), you’re responsible if customers don’t pay. Non-recourse factoring protects you but costs more. We evaluate customer creditworthiness before factoring.
Yes, typically customers are notified to pay the factoring company directly. However, some factoring arrangements can be confidential (at higher cost).
B2B businesses with commercial clients: staffing agencies, distributors, manufacturers, wholesalers, contractors, transportation/logistics, and professional services.
Factoring fees typically range from 1-5% per month, depending on invoice volume, customer creditworthiness, and whether collections services are included.

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Ready to Grow Your Business?

Apply now for fast, flexible funding—backed by our nationwide network and business expertise.

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Factoring

Sell your invoices for immediate cash
Amount Range
70-90% of invoices
Funding Speed
24-48 hours
Term
30-120 days
Rate
1-6% per invoice
Min Credit Score
550+
Time in Business
3+ months
Min Monthly Revenue
$15K/month
Max Negative Days
5 per month
Full Transparency
What’s Involved: Simple application process with minimal documentation required.
True Costs: All fees are disclosed upfront with no hidden charges or surprises.
Payment Schedule: Clear payment terms with flexible options to match your cash flow.
Apply Now
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