Invoice Factoring
What to expect after you fill out our 60 second application
- A member of our sales team will call you within 15 minutes if you submitted this during business hours
- We will ensure you are a good fit for our factoring services.
- If you are, we will issue a formal proposal that outlines advance rate, fee structure, and service details.
We can move as fast as you can – meaning we can get you pre-approved in the next 24 hours and begin the underwriting process quickly to ensure you get your funds when you need them.
Looking forward to speaking with you soon.
Why You Should Use Us For Invoice Factoring

Fast Access to Cash
We advance funds on your receivables and get you approved for funding and factoring services in hours.

Competitive Rates
We pay up to 95% on each invoice, we’re one of the most competitive in the industry.

Flexible Financing
We tailor factoring solutions to your unique situation. Whether you’re coming out of bankruptcy, growing fast or gearing up for growth, we’re here to support you and your invoice financing needs.

Cash Flow
Factoring gives you consistent cash flow, so you can get paid from your outstanding invoices and run your business.
We specialize in working with B2B businesses across a range of sectors
Don’t see your business below, reach out to us – there’s a great chance we work with yours. And if we don’t we will refer you to trusted partner who can!
Our Process
Click into each block to learn more about how we work with you.
You reach out to us, or we connect with you. At this stage, we’re just getting to know each other. We’ll ask some basic questions about your business, how you invoice, and the types of customers you serve. If you’re a B2B company that sells on terms, you’re already off to a great start.
Based on your answers and quick research, we determine if you meet our initial requirements. This includes:
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Selling to other businesses (not consumers)
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Invoicing after delivery of a product/service
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Unencumbered receivables
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Monthly invoice volume that makes factoring efficient (usually $25K+)
This stage is all about ensuring a good fit before we dive deeper.
Once you’re pre-approved, we send over a proposal that outlines the key details of our offer:
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Advance Rate (usually around 85–90%)
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Fee Structure (our discount rate based on time outstanding)
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Terms and services included (like online dashboard access and credit checks)
This proposal is not a contract—it’s simply a clear, written offer so you know what to expect.
If you like what you see, you give us the green light to proceed. This stage signals serious intent, and we begin collecting more detailed documents for underwriting. You’re not locked in yet, but we start preparing for a deeper evaluation.
Our credit and risk teams take a thorough look at your business. This includes:
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Analyzing your accounts receivable aging report
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Reviewing sample invoices and backup documents
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Evaluating your customers’ creditworthiness
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Checking for tax liens, bankruptcies, or legal encumbrances
We also verify invoices using methods like verbal confirmation or reviewing proof of delivery.
Once underwriting is complete, your deal is presented to our internal credit committee. If approved, this means we’re confident in your customers’ ability to pay—and we’re ready to move forward.
This is the final green light before paperwork.
We send you the official agreement to review and sign. This includes:
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The factoring agreement
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Any necessary UCC filings
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Details about your lockbox address or remit-to info
You’ll also get a breakdown of how the process will work day-to-day.
You sign the agreement, and your client relationship officially begins. We start preparing your customer notifications and setting you up in our system.
We notify your customers (account debtors) with a Notice of Assignment, instructing them to send payments to your new lockbox. We also train you or your team on:
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Submitting invoices
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Tracking advances and rebates in our portal
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Asking for credit checks on new customers
Once onboarding is complete, you’re ready to start submitting invoices and receiving funding—often within 24 hours.

Types of Factoring We Offer
We proudly offer both recourse and non-recourse factoring to our clients. These are two different invoice factoring agreements for accounts receivable. While both provide immediate cash flow and upfront financing benefits, they differ in their mechanics and backend operations.
At Porter Capital we evaluate your unique business dynamics – industry benchmarks, your business size and projected returns on due invoices – to recommend the best financing option for you. Our goal is to find the right financing solution for your business.
Try Out Our Factoring Fee Calculator
Use our factoring calculator to see the estimated cash advance, the final amount receivable upon invoice payment and the factoring fee.
Learn more about the concepts of invoice factoring
- Rates from .4%
- Fast Approval
No Minimum Credit Score to Qualify
30+ Years In Business
Will Fund Past-Due (Outstanding) Invoices
Credit Lines up to $25 Million
Why Porter Capital?
Meet Marc Porter, co-founder of Porter Capital, and learn more about his contributions to the lending industry.
Porter Capital is at the top, offering the best invoice factoring rates and fastest approval for business financing. We have expertise in many industries across North America, so we can deliver the best invoice factoring solutions. We can advance up to 90% on individual invoices and the balance (after deducting our factoring fee) after your client pays. We prioritize getting you paid faster.
Quick Access To Invoice Factoring
Competitive Rates
Flexible Financing Solutions
Improved Cash Flow
Incredible Customer Service
No Concentration Limits
Minimum Documentation Required
Will Fund Past-Due (Outstanding) Invoices
Trusted Business-To-Business (B2B) Factoring Company
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, when you need it, to keep your business moving.
Frequently Asked Questions About Invoice Factoring
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