Accounts Receivable Financing

Convert your outstanding invoices into immediate working capital to fuel your business growth.

$10,000 - $5M

Funding Range

Funded in 24-48 hours

Fast Funding

Premium Financing

Accounts Receivable Financing Overview

Accounts Receivable (AR) Financing provides businesses with immediate access to capital by leveraging unpaid invoices. Instead of waiting 30-90 days for customer payments, you can receive up to 90% of your invoice value within 24-48 hours. This flexible financing solution improves cash flow, helps you meet payroll, purchase inventory, and take advantage of growth opportunities without taking on traditional debt.

💰 AMOUNT

$10,000 - $5M

⏱️ SPEED

Funded in 24-48 hours

📊 RATE

1%-5% per month (based on invoice quality)

📝 TERMS

Flexible (based on invoice payment terms)

What Do You Need to Qualify?

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

Minimum Credit Score
600+ preferred (we focus on your customers’ creditworthiness)
6+ months with steady invoicing
$20,000+ in monthly invoices
3 (based on bank statements)
Quality of accounts receivable, customer payment history, invoice aging
Last 3-6 months bank statements, accounts receivable aging report, sample invoices, business license

Why Use Black Tie Funding for Accounts Receivable Financing

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

Quick Access to Cash
Get funded in 24-48 hours instead of waiting months for payment
Not a loan—you’re selling your invoices, so no monthly payments
Scale financing up or down based on your invoice volume
Maintain steady working capital to cover operating expenses
Spend time growing your business instead of chasing payments
Approval based on your customers’ credit, not yours

Explore Similar Funding Solutions

Factoring

Similar to AR financing with ongoing relationship – $25,000 to $5M

Business Line of Credit

Revolving credit for ongoing needs – $10,000 to $500,000

Merchant Cash Advance

Fast funding based on future sales – $5,000 to $500,000

What Our Clients Say

Frequently Asked Questions

What's the difference between AR Financing and Factoring?
AR Financing is typically a one-time transaction where you sell specific invoices. Factoring is an ongoing relationship where the factor may handle collections and manage your entire AR process.
It depends on the type. With recourse financing, your customers typically aren’t notified. With non-recourse or factoring, customers may be notified to pay the financing company directly.
With recourse financing, you’re responsible if the customer doesn’t pay. With non-recourse financing (higher cost), the financing company assumes the credit risk.
Typically 70-90% upfront, with the remainder (minus fees) paid when your customer settles the invoice.

Ready to Grow Your Business?

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AR Financing

Accelerate cash flow from receivables
Amount Range
80-90% of invoices
Funding Speed
24 hours
Term
30-90 days
Rate
1-4% per invoice
Min Credit Score
550+
Time in Business
3+ months
Min Monthly Revenue
$12K/month
Max Negative Days
7 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.