Helping B2B businesses turn invoices into cash.
Porter Capital: A Factoring Company for Invoice Financing
Providing B2B businesses with fast, flexible financing and invoice factoring to meet cash flow needs and drive growth. Invoice factoring services are suitable for most businesses, especially business-to-business companies and small business owners seeking flexible funding solutions.
Find the Right Financing Solution for Your Needs
How Invoice Factoring Works
Invoice factoring is a straightforward financial solution that helps businesses unlock the cash tied up in their outstanding invoices. Here’s how it works: a business sells its unpaid invoices to a factoring company at a discount, receiving a significant portion of the invoice value—typically between 70% and 90%—as an immediate cash advance. This process provides fast access to working capital, allowing companies to cover expenses and invest in growth without waiting for customers to pay.
Once the business sells its invoices, the factoring company assumes the credit risk and takes responsibility for collecting payment from the customers. When the customer pays the invoice, the factoring company pays the remaining balance to the business, minus any agreed-upon factoring fees. This arrangement not only improves cash flow but also shifts the burden of collecting payment and managing credit risk to the factoring provider, making it an attractive option for businesses looking to stabilize their finances and focus on growth.

Understanding Factoring Costs
When considering invoice factoring, it’s important for businesses to understand the costs involved. Factoring fees—also known as factor fees—are typically calculated as a percentage of the invoice value and can range from 0.5% to 5%, depending on the factoring company, the industry, and the creditworthiness of your customers. These fees are deducted from the advance rate, which is the percentage of the invoice value you receive upfront.
For example, if your business factors a $10,000 invoice with an 80% advance rate and a 2% factoring fee, you would receive $7,800 upfront. The remaining $1,800, minus the factoring fee, is paid to you once your customer pays the invoice. Understanding these factoring costs is essential for determining if invoice factoring is the right solution for your cash flow needs, as it allows you to accurately assess the impact on your bottom line and plan accordingly.
Choosing the Right Factoring Company
Selecting the best factoring company for your business is crucial to maximizing the benefits of invoice factoring. When you compare factoring companies, consider key factors such as advance rates, factoring fees, contract flexibility, and the quality of customer service. Look for a factoring provider with a strong reputation, industry expertise, and experience working with businesses similar to yours—especially if you operate in specialized sectors like trucking, construction, or manufacturing.
Be sure to review the factoring agreement carefully, paying close attention to any hidden fees, such as monthly minimums or invoice uploading fees, which can add to your overall factoring cost. Understand whether the company offers recourse factoring or non-recourse options, and clarify all terms before signing. By doing your due diligence, you can find a factoring partner that offers transparent pricing, flexible contracts, and the support your business needs to thrive.

Cash Flow Management Strategies
Maintaining healthy cash flow is essential for any business, and invoice factoring is just one tool in a comprehensive cash flow management strategy. By converting outstanding invoices into immediate working capital, factoring companies help businesses bridge the gap between billing and payment, ensuring steady operations and growth.
In addition to invoice factoring, consider optimizing your accounts receivable and accounts payable processes, reducing excess inventory, and streamlining your supply chain to further improve cash flow. Many factoring companies also offer accounts receivable financing and credit protection services, providing additional layers of support. By combining these strategies, you can better manage your cash flow needs, reduce financial risk, and make informed decisions that drive your business forward.
An Experienced Alternative Financing Company You Can Trust
Flexible Funding Options
Lines of credit from $25k to $25MM
To qualify for flexible funding options such as lines of credit, you will need to have a business bank account.
No Hidden Fees or Terms
Get transparent funding without suprises
Porter Capital believes in complete transparency when it comes to your financing. Porter Capital discloses all factoring company charges and additional fees upfront, so you know exactly what to expect and can make informed decisions without worrying about hidden costs.
Competitive Factoring Rates
Factoring rates as low as* 0.4%. Clients with higher invoice volumes or better credit quality may qualify for lower factoring fees.
Same-Day Funding
Get funding in as little as 24 hours
Easy Application Process
Easy application & quick approval
Unlock A Wealth of Information With Our Insights Library
INSIGHTS: Valuable information on flexible financing options.
Through this library, readers gain insights into managing cash flow, improving risk management, and facilitating business growth. Learn more about all business financing options, including invoice factoring, accounts receivable financing, term loans, and more. Subscribe today to access these valuable resources and stay informed in the finance industry.

Tailored Alternative Financing Solutions for Your Industry
What Our Clients Are Saying About Porter Capital
“One word – ‘Seamless.'”
“We have done business with Portal Capital for years and they have been nothing but fantastic the whole time. Excellent service and are always willing to go the extra mile to help out.”
“Porter is easy to work with, very reliable.”
“Perfect experience from start to finish!”
“Timely Payment, Good customer satisfaction.”
“After working with two of the largest factors in the country for many years, I’m thrilled to have found Porter Capital. I have never been so satisfied as I am with Porter. Their experience, expertise and the professional partnership is spectacular.”
“Very helpful and professional support. The staff was courteous and easy to work with.”
“The flexibility of Porter Capital’s receivables financing program has been extremely beneficial for my company over the years.”
“Seamless. I send a schedule and get a disbursement. Customer service is always prompt and helpful.”
“Clean, easy, and suitable for my business.”
“I have been working with them almost five years and they have been great handling day to day cash postings and funding. They are friendly and efficient.”
“When every bank and lending institution said “NO” to me, Porter Capital said “YES”!! Without Porter Capital I would not have been able to scale my operations or inventory!”
“This was the fastest funding our company has ever been approved for! We can’t imagine using any other company for our invoice financing again, thanks Porter Capital!”
“It has been a pleasure doing business with Porter Capital. They have been super helpful and easy to work with.”
“Porter Capital was the first company that my business went to for getting set up financially. They provided me with all of the support and knowledge I needed in order to make an informed decision moving forward financially. Their customer first focus is very evident regardless of who you deal with at the company.”
“Excellent company! Easy to work with and keeps our business cash flowing!”
“Excellent. We have been able to expand our business rapidly because of Porter Capital and gain new customers!”
“I was trying to find a solution to the cash flow issues caused by slow paying customers and tried a few options such as a merchant cash advances before landing at Porter Capital. If you want to fundamentally fix your cash situation, Porter Capital can definitely help you.”
“Onboarding was fast and easy. The Porter agents were all very prompt and professional. As this is our first experience with an asset based lending program, I don’t believe it could have honestly gone any better.”
“I have been doing business with Porter Capital for over 10 years. They have always been quick, helpful, and honest in helping me grow the business. They have funded me anywhere from $500 to $400,000. They are great people and I recommend them.”
“I have been with Porter for 4 years now and appreciate what they have done for my business.”
“We have been very happy with Porter Capital’s support these past few years and look forward to continuing to work together.”
“Everyone I have come in contact with at Porter Capital have been a totally refreshing experience compared to what is out in the marketplace of Commercial Factors. Great service, easy to understand and a clear path through operations. Interfacing with Porter Capital has been a great experience at every turn with unexpected simplicity and ease.”
“Porter capital has been a valuable partner and asset to growing our business from a few hundred thousand a year to several million. They were always fast responsive and willing to work with us through the tough and challenging times of starting and running a business.”
“Salt of the earth people who are singularly focused on provide world class service with the kindness that is only exceeded by their warmth and deep abiding care for their customers.”
“Everyone I have worked with at Porter Capital has been friendly, helpful, and knowledgeable. Their goal has always been to make the companies they work with as successful as possible.”
“All of the people we are working with at Porter Capital so far are outstanding, helpful, and conduct themselves in the most professional manner.”
Meet Our Team of Experts
With tailored flexible funding options, we support businesses that may not qualify for traditional financing such as a term loan. Porter Capital also serves established businesses with a proven track record. From startups that haven’t established credit yet to large enterprises, we assist businesses during periods of growth, expansion, or challenging times. Stable cash flow is crucial. Whatever financing needs you have as a small business or large company, our team of experts is ready to guide your company through our efficient funding process.

Latest Industry News & Articles
A Practical Use Case for Invoice Financing in 2025
https://www.youtube.com/watch?v=6TEL3gAfDvk How Invoice Financing Helped a Supplier Navigate 60-Day Terms with a Major Buyer Introduction: When Big Deals Bring
Essential Guide to Snack Brand Invoice Factoring for Better Cash Flow
https://www.youtube.com/watch?v=p44K-NFOB1A How a Snack Brand Is Navigating Retail Growth and Cash Flow with Invoice Factoring Hitting the Retail Big
Common Misconceptions about Recruitment Invoice Factoring
Common Misconceptions about Recruitment Invoice Factoring I've come to appreciate just how crucial recruitment invoice factoring is for staffing
Get Cash for Your Outstanding Invoices Today
Stop waiting 30 to 90 days to get paid. With Porter Capital, you can get the working capital you need, exactly when you need it, to keep your business moving forward.
-
Rates from 0.4%
-
Fast Approval
-
No Minimum Credit Score to Qualify
-
Immediate Funding
-
Credit Lines up to $25 Million
Start Earning With Our Referral Program
At Porter Capital, we help small and medium-sized businesses across North America thrive by providing reliable funding options, like invoice factoring and accounts receivable financing, to reduce the impact of long invoice repayment periods. We want to help more companies handle daily operations and grow while rewarding our current referral partners with a 15% commission. Refer a business today to help your fellow business owners thrive.
