Accounts Receivable Financing
Stop Waiting 60–90 Days to Get Paid
Convert your outstanding invoices into immediate working capital. Get up to 90% of your invoice value within 24 hours — without taking on traditional debt.
How AR Financing Works
Submit Your Invoices
Send us your outstanding invoices from creditworthy customers.
Get Funded
Receive up to 90% of the invoice value — often within 24 hours.
Customer Pays
Your customer pays the invoice directly on the original terms.
Receive the Balance
Get the remaining balance (minus fees) once your customer pays in full.
Industries We Serve
AR Financing FAQs
What is accounts receivable financing?
Accounts receivable (AR) financing lets you convert outstanding invoices into immediate cash. Instead of waiting 30, 60, or 90 days for customers to pay, you get funded now — using your invoices as collateral.
What is the difference between AR financing and factoring?
Invoice factoring involves selling your invoices to a third party who then collects from your customers. AR financing uses invoices as collateral for a loan — you retain control of collections. We offer both structures.
How much of my invoice value can I access?
Most AR financing programs advance 80–90% of the invoice face value upfront. The remaining balance (minus fees) is released when your customer pays.
Does my customer need to know I'm using AR financing?
With invoice factoring, your customer pays the lender directly — so they are notified. With confidential AR financing, collections remain with you and your customer may not know. We help you choose the right structure.
What credit score do I need for AR financing?
Your personal credit score matters less than the creditworthiness of your customers. AR financing is often available to businesses with challenged credit as long as their customers are reliable payers.
Your Invoices Are an Asset — Use Them
Apply today or call Gary Hughey to discuss your outstanding receivables and get funded fast.