Invoice Factoring

Get the funding you need to grow and expand your business.

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Turn Your Outstanding Invoices into Cash with Ease

Invoice factoring is the perfect solution for companies seeking funding to improve their finances while waiting for customers to pay invoices. If you have customers who are slow to pay or work in a field where seasonal highs and lows are the norms, factoring unpaid invoices can help reduce cash flow issues by getting your invoices paid in advance.

No matter what you need the capital for, from paying employees on time to buying new equipment or expanding your business, invoice financing can help. It also offers your customers a more flexible range of repayment terms.

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Get Paid Faster With Invoice Factoring

Invoice factoring is an excellent solution for businesses in various industries, particularly those looking to enter a period of rapid growth or expansion. Immediate access to your business capital can help you improve cash flow, sustain growth, and pay workers on time.

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Benefits of Invoice Factoring

Business owners choose invoice financing to create new growth without waiting 30, 60, or 90 days for the invoice to clear. We recommend invoice factoring for your small business if you choose upfront payment over waiting. Receiving customer invoice payments sooner allows you to continue operating without the cost or qualifications of a traditional loan.

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Quick Access to Cash

We offer advances on your receivables, which means we can move quickly when it comes to getting companies approved for funding and factoring services.

porter capital benefits

Competitive Rates

We offer up to 90% on each invoice with our factoring services, which makes our rates some of the most competitive in the business.

porter capital benefits

Flexible Financing

We find a way to work with your situation. Whether you’re dealing with previous or current bankruptcy, rapid growth, or are looking to expand, we have you covered.

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Improve Cash Flow

Factoring provides a steady cash flow to help you run your business by providing more immediate access to unpaid invoice funds.

Is Invoice Factoring Right For Your Business?

Invoice factoring is the perfect solution for companies seeking funding to improve their finances while waiting for customers to pay invoices. If you have customers who are slow to pay or work in a field where seasonal highs and lows are the norm, factoring unpaid invoices can help reduce cash flow issues by getting your invoices paid in advance.

No matter what you need the capital for, from paying employees on time to buying new equipment or expanding your business, invoice financing can help. It also offers your customers a more flexible range of repayment terms.

We work to ensure a quick approval process and often get a turnaround in as little as 24 hours! With reduced paperwork, we aim to minimize frustration and streamline access to the funds you need to grow your business. Compared to traditional financing, invoice factoring can open up many new opportunities.

porter capital ivoice factoring services

Recourse vs. Non-Recourse Factoring

There are two kinds of factoring for accounts receivable, and while both offer similar benefits in terms of access to cash flow and up-front financing, each works a bit differently on the backend.

Recourse Factoring

Recourse factoring requires the business owner to pay the factoring company back if the customer does not pay the invoices on time. The trade-off is less risk for the factoring company, which usually translates to fewer fees and a higher likelihood of approval compared to non-recourse factoring.

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Non-Recourse Factoring

Non-recourse factoring, on the other hand, means the business owner isn’t liable if the customer fails to pay the outstanding invoices. This means the factoring company accepts most of the risk and tends to charge higher fees or be more selective when offering non-recourse agreements.

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At Porter Capital, we can help you determine which solution makes the most sense for your business based on a number of factors, including industry standards and trends, the size of your business, and expected returns on outstanding invoices. No matter what, we help you find the best solution for your specific business needs!

Type of Business That Use Invoice Factoring

Your business needs working capital solutions to achieve its goals, no matter your industry. An invoice factoring loan can make all the difference in your daily operations. Instead of waiting weeks or months, you can receive upfront payment for your invoices that helps your business continue to run smoothly even when seasonal cash flow issues arise. With a cash advance on your pending invoices, you can prioritize more effective ways to use your funding.

For more than 30 years, we’ve helped small and large businesses with invoice factoring services. The Porter Capital team helps you create personalized solutions for your working capital goals. Businesses across the country can use invoice factoring to get ahead of the competition and stabilize their operations.

We typically work with any of the following industries:

  • Staffing: Many staffing companies operate with similar business models. As you hire new employees, you need more cash upfront. With staffing invoice factoring, you can ensure a seamless payroll process throughout the ups and downs of the job market.
  • Distribution: Distributors need to be flexible according to the current buying market. If production exceeds revenue, you may need an advance on your existing invoices. Let our distribution factoring experts create a plan that keeps you in the green.
  • Manufacturing: The manufacturing industry experiences highs and lows every year. You can keep your production line moving with proper funding for your manufacturing company during your best and worst months.
  • Technology: The technology industry moves quickly. Maintaining your spot in the competition requires consistent funding and production times. As one of the best invoice factoring companies, we help technology companies enjoy reliable financing.
  • Gas and oil: As a gas and oil company, you need stable cash flow to conduct costly operations. Build your business upward and receive invoice factoring for your oil and gas company within 24 hours of applying!
  • Trucking: The commercial transportation industry depends on a constant exchange of goods and services. With freight factoring, you can pay your drivers immediately and keep your vehicles in excellent shape.

Why Porter Capital?

Porter Capital provides access to some of the best invoice factoring rates in the industry, and a quick approval process for business funding. We have worked with companies in various industries across North America, offering invoice factoring services. With advances of up to 90% on each invoice and the remainder (minus the factoring fee) once your customer pays the invoice, Porter Capital gives you access to your income sooner rather than later.

  • 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