Invoice factoring · $50K to $25MM
Your bank said no. Your invoices didn’t.
Turn unpaid B2B and government invoices into cash in days, even after a bank decline, a called line, a stack of MCAs or a factor you have outgrown. Straight answers, free tools, and a specialist who routes your file to the funder built for it.
Two minutes · No credit pull · Florida and the Southeast first, nationwide
Start where you are
Pick your starting point.
Nobody looks for factoring on a good day. Choose the situation closest to yours for a straight answer on what happens next, what it costs and how fast it moves.
How factoring works
Your customers’ credit does the heavy lifting.
Banks underwrite your past. Factors underwrite your invoices and the companies that owe them. That is why a business with strong customers can get funded while its balance sheet is still catching up.
- You invoice a creditworthy customerNet 30, 60 or 90, as usual.
- The funder advances 70%–90%Typically within a day or two of verification once you are set up.
- Your customer pays the invoiceInto an account the funder controls.
- You receive the rest, minus the feeFees commonly run about 1% to 5% per 30 days outstanding.
Free tools
Run the numbers before anyone runs them for you.
Every tool shows results as you type. No email wall, no sales call to see your own math.
Factoring cost calculator
True cost and effective annual rate of any fee schedule. Model flat, tiered or daily fee schedules and every ancillary fee, then compare with a bank line.
Open the toolMCA vs. factoring
What your merchant cash advance really costs, side by side
Open the toolProposal decoder
Compare up to three term sheets and flag the fine print
Open the toolFactor buyout estimator
Payoff, fees and timeline to switch factors
Open the toolDo I qualify?
A 60-second fit check that tells you your route
Open the toolPayroll funding calculator
The cash gap a staffing agency has to cover
Open the toolCash gap calculator
How much cash is sitting in your receivables
Open the toolDisclosure checker
Does your state require a cost disclosure on your deal?
Open the toolPrompt payment interest
What an agency owes you on a late invoice
Open the toolRules where you are
Every state's factoring rules, verified and sourced.
Rate transparency
What factoring typically costs.
Real numbers, in the open. These are common market ranges; your terms depend on your customers, your volume and how fast they pay.
| Term | Common range |
|---|---|
| Advance rate | 70% to 90% |
| Fee per 30 days outstanding | About 1% to 5% |
| Time to first funding | About 1 to 4 weeks |
| Funding after setup | Usually 1 to 2 days |
| Facility size we route | $50K to $25MM |
Industries
Built for how your customers actually pay.
- Staffing Factoring and Payroll Funding for Staffing Agencies
- Government Contract Factoring for Federal, State and Local Contractors
- Construction Factoring and Retainage Financing for Subcontractors
- Factoring for Manufacturers
- Factoring for Wholesale Distributors
- Aerospace Supplier Financing
- Factoring for Security Guard, Janitorial and Environmental Services Companies
- Marine Services Factoring for Shipyards, Vessel Repair and Port Contractors
- Oilfield Services Factoring
- Textile and Apparel Factoring
Deals we are built for
- Bank-declined or covenant-default businesses with strong customers
- MCA consolidations where receivables support the payoff
- Buyouts of an existing factor
- Facilities alongside an SBA loan
- Staffing payroll, government contractors, construction subs, manufacturers
What we don’t do
- Freight and owner-operator trucking factoring
- Consumer receivables
- Facilities under $50K
- Medical billed to insurers, except case by case
Outside the box? Tell us anyway. We will point you somewhere useful where we can.
Straight answers
What is invoice factoring?
Invoice factoring is selling your unpaid B2B or government invoices to a funder for cash now. The funder typically advances 70% to 90% of the invoice within days, collects from your customer, and pays you the rest minus a fee when the invoice is paid. It is a sale of receivables, not a loan.
How much does invoice factoring cost?
Factoring fees commonly run roughly 1% to 5% of the invoice value per 30 days, depending on your volume, your customers’ credit and how long they take to pay. Compare the effective annual cost including every ancillary fee, which the free factoring cost calculator shows instantly.
Can I get factoring if my bank declined me?
Often, yes. Factoring is underwritten mainly on the credit of your customers and the quality of your invoices rather than your balance sheet alone, so businesses declined by a bank, in covenant default or with a short history can still qualify when their customers are creditworthy.
Can factoring pay off merchant cash advances?
In many cases. If your receivables are strong enough to cover the payoffs, a factoring facility can retire MCA balances and replace daily debits with funding that rises and falls with your sales. It depends on the size of the payoffs relative to your eligible receivables.
How fast can a factoring facility fund?
A clean small-ticket file ($50K to $500K) with creditworthy customers can fund in about a week, and larger new facilities commonly take one to three weeks. Takeouts of a bank, an MCA or an existing factor usually take two to four weeks because payoff letters, lien releases and customer notices have to line up.
What does FactorRoute not fund?
Our funding partners do not do freight or owner-operator trucking factoring, consumer receivables, or facilities under $50K. Medical receivables billed to insurers are case by case. If you are outside the box, tell us anyway and we will point you somewhere useful where we can.
Find your route to funding.
Two minutes, no credit pull. Tell us about your receivables and a specialist routes your file to the funder built for it.