Not a Loan
Factoring is a sale of receivables — no new debt sits on your balance sheet.
Cash-Flow / B2B
Stop waiting on
Stop waiting on
slow-paying invoices.
Convert unpaid B2B invoices into immediate working capital — up to 90% advanced now, the rest when they settle.
What It Is
Your money, now.
Invoice factoring advances you up to 90% of an invoice’s value the moment you issue it, instead of waiting 30, 60, or 90 days for your customer to pay. When they settle, you receive the remainder minus a small factoring fee.
Crucially, it’s not a loan — there’s no new debt on your books. The funding scales automatically with your sales, so the more you invoice, the more working capital you unlock.
Best For
Is this your lane?
- B2B companies with net-30/60/90 payment terms
- Businesses growing faster than their cash flow
- Covering payroll and suppliers while clients pay slowly
- Trucking and staffing firms with steady receivables
- Anyone tired of chasing late payments
The Process
How invoice factoring works.
From application to funded in a few fast, transparent steps.
01
Submit Invoices
Send us the outstanding invoices you’d like to factor — no minimum volume to start.
02
Get Advanced
Receive up to 90% of each invoice’s value, typically within 1–3 days of approval.
03
We Collect
Your customer pays on their normal terms, directly to a secure account we manage.
04
Receive the Rest
Once they pay, you get the remaining balance minus a small, transparent fee.
Rates & Terms
The spec sheet.
| Advance rate | Up to 90% of invoice value |
| Facility size | $10,000 – $5,000,000 |
| Factoring fee | Small percentage per invoice |
| Speed to first funding | 1 – 3 business days |
| Debt added | None — it’s a sale of receivables |
| Scales with | Your sales volume |
Fees depend on invoice volume, customer credit quality, and payment terms. All disclosed before you commit.
Eligibility / Requirements
Do you qualify?
Our baseline is simple. Most businesses that meet these benchmarks are a strong fit for invoice factoring:
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score (your customers’ credit matters most)
- Invoices to creditworthy B2B or government customers
- U.S.-based business
Checking your options is free and won’t affect your credit score.
Why Apex Velocity
Built for momentum.
Scales With Sales
The more you invoice, the more working capital you can access.
Fast First Funding
Most facilities deliver your first advance within 1–3 days.
Customer Credit Counts
Approval leans on your customers’ creditworthiness, not just yours.
No More Chasing
We handle collections so you can focus on running the business.
Predictable Cash Flow
Turn unpredictable payment timing into reliable working capital.
Questions
Invoice Factoring FAQ.
No. You’re selling your outstanding invoices at a small discount in exchange for immediate cash. Because it isn’t debt, it doesn’t add a liability to your balance sheet or require fixed monthly loan payments.
Primarily your customer’s. Since they’re the ones paying the invoice, their creditworthiness drives approval. That makes factoring accessible even if your own credit is still building.
Typically up to 90% of the invoice value is advanced within 1–3 days. You receive the remaining balance, minus a small factoring fee, once your customer pays.
In most arrangements your customers remit payment to a managed account. We handle this professionally and discreetly so it integrates smoothly with your existing billing.
Related Funding
Other ways to fuel up.
Not quite the right fit? These products pair well with, or stand in for, invoice factoring.
Line of Credit
Revolving capital on standby — draw what you need, pay only for what you use.
Learn moreShort-Term Loans
A fast, fixed lump sum with predictable payments over a short horizon.
Learn moreMerchant Cash Advance
An advance against future sales, repaid as a small slice of daily revenue.
Learn moreGet paid today, not in 90 days.
Turn your receivables into working capital and stop letting slow payers stall your growth.
Apply Now