Advances in 24 hours
Upload the invoice, get up to 90% wired the next business day. Recurring invoices to the same customers fund even faster.
Stop waiting on
net-60 customers.
Advance up to 90% of an unpaid invoice within 24 hours and get the rest, less a fee, when your customer pays.1 Facilities from $5K to $5M, sized to your receivables rather than your credit score.2 Apply with no impact to your credit.3
4.8Excellent · Based on 12,480 reviews
FundLine Capital is a commercial loan broker, not a lender. Offers are made by the lenders we work with.
How much do you need?Estimate assumes a 90-day invoice. Most funders quote a fee per 30 days outstanding rather than an APR.
Est. monthly payment$25,607
Illustrative terms14.5% APR · 3 mo
90%of the invoice value advanced up front
The remaining 10%, less the funder's fee, is released the day your customer pays the invoice.
Your receivables,
paid on your schedule.
Invoice financing turns the money you've already earned into cash you can use now. Here is how the facilities we place work.
Approval on your customers' credit
Funders underwrite the businesses that owe you, not just your file. Strong customers mean higher advances and lower fees.
Grows with your sales
The facility limit rises as your invoicing does. Land a bigger contract and the funding for it comes along.
Financing or factoring?
Who collects from your customer matters. With invoice financing you keep collecting and your customer never knows. With factoring the funder buys the invoice and collects directly, often at a lower fee. We place both and explain the trade-off.
How invoice financing comes together
Brightline Staffing Co.
$142,000 of of $250,000 facilityAvailable to advance
$108,000Advanced, awaiting payment
Upload an invoice
Advance rate90%
Fee per 30 days1.5%
Invoices open14
Next customer paymentSep 22 · $31,200
- 1
Apply and share your aging report
The 15-minute application plus a receivables aging report from your accounting software. That shows funders what they're advancing against.
- 2
Compare advance rates and fees
Your funding specialist shops the file to funders who know your industry and compares advance rate, fee per 30 days and any minimums.
- 3
Upload invoices, get funded
Once the facility is open, submit invoices as you issue them. Advances land the next business day; the balance follows when the customer pays.
Funders who know
your customers' habits.
Staffing, freight, wholesale and government contractors all get paid differently. Your specialist matches you with funders who already advance against those customers and understand their pay cycles.
Book a callReal people, any day of the week
What owners say about invoice financing
Excellent
4.8
Based on 12,480 reviewsFundLine owner reviewsInvoice financing questions, answered
You issue an invoice to a business customer as usual and upload it to the funder. The funder advances 80% to 90% of its value within a day. When your customer pays, the funder releases the remainder minus a fee based on how long the invoice was outstanding.
Facilities run from $5,000 to $5,000,000 and are sized to your outstanding receivables. A business invoicing $100K a month with net-45 terms might open a $150K facility. Limits grow as invoicing grows.
Funders in our network charge roughly 1% to 3% of the invoice value per 30 days outstanding, depending on your customers' credit and invoice volume. A $50K invoice paid in 45 days at 1.5% per 30 days costs about $1,125. Every offer shows the equivalent APR too.
Opening a facility takes two to five business days after we receive your aging report. Once open, individual advances land the next business day, and some funders wire the same day for repeat customers.
Businesses that invoice other businesses or government agencies on terms of 30 to 90 days. Funders care most about your customers' creditworthiness and your invoicing history. Personal credit and time in business matter less than with other products.
No. Applying through FundLine does not affect your personal credit score. Invoice funders focus on your receivables and typically run only a soft inquiry on you.
With invoice financing, no: you keep collecting and remit when paid. With factoring, the funder buys the invoice and collects directly, so your customer receives a notice of assignment. Your specialist places whichever you prefer.
Financing is a loan against your invoices; you stay in control of collections. Factoring is a sale of the invoice; the factor collects and often assumes the risk of non-payment. Factoring fees are usually a bit lower for that reason.
Under a recourse facility, the most common type, you repay the advance or swap in another invoice after a set period, usually 90 days. Non-recourse facilities shift that risk to the funder at a higher fee. Your offer states which type it is.
Yes, with most funders. Spot financing lets you advance a single large invoice; whole-ledger facilities advance everything and carry lower fees. Your specialist explains the minimums, if any, on each offer.
Need cash that isn't tied to invoices?
A business line of credit covers rent, marketing and payroll gaps that receivables can't.
Sell to consumers instead of businesses?
A merchant cash advance is repaid from card sales, so it fits retail and restaurants the way invoices fit B2B.
Before you finance invoices
Short reads on receivables and cash flow.
Guide
Business financing, explained
Invoice financing, factoring and where each fits in a cash-flow plan.
Read moreBlog
Same-day funding offers
Which products fund fastest and what to have ready before you apply.
Read moreGuide
Getting ready to borrow
How to pull an aging report and the other numbers funders ask for.
Read moreYour invoices are money.
Use them now.
15-minute application. No impact to your credit score. Advances in as little as 24 hours once your facility is open.
- 1¹ Advance rates, fees and facility limits vary by funder and depend on your customers' creditworthiness, invoice volume and industry. Not every applicant will qualify for the maximum advance rate.
- 2² Most invoice-financing facilities are recourse facilities: if a customer does not pay within the agreed period, you are responsible for repaying the advance.
- 3³ Submitting an application to FundLine Capital does not affect your personal credit score. Funders may run a soft credit inquiry and will disclose any hard inquiry before it occurs.