Invoice Factoring
Invoice factoring companies provide businesses with advance payments and immediate access to the working capital needed to hit payroll, purchase more inventory, or just continue expanding operations without giving up equity. Invoice factoring involves a business selling its accounts receivable to a third party factoring company for immediate funds. This means businesses can receive immediate funds without waiting for their customers to pay.
All you need to do is submit your invoices to the factoring company, wait for them to verify each unpaid invoice, and receive compensation for the invoice value. This is how invoice factoring works: after you submit your invoices, the factoring company verifies them and provides a cash advance, giving your business quick access to working capital.
Instead of waiting 30 to 90 days for a customer to pay, the factoring company sends you an initial cash advance in as little as 24 hours. Then, once the customer payment for the invoice is received, you get the remaining balance after the factoring fee is deducted.
Why You Should Use Us For Invoice Factoring
Invoice factoring is a flexible financing solution that allows businesses to access immediate funds by selling their unpaid invoices. This service is especially valuable for small business owners and small businesses facing cash flow gaps due to delayed customer payments. Invoice factoring is particularly suited for business to business companies that need quick access to capital but may have difficulty obtaining traditional loans. By using invoice factoring, businesses can improve cash flow, stabilize operations, and support growth by receiving working capital without waiting for customers to pay their invoices.

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
One of our core values at Porter Capital is transparency – so we take pride in outlining what our entire factoring process looks like from start to finish. The invoice factoring process is a step-by-step transaction that begins with submitting your invoices, selecting a factoring partner, and selling invoices to a third party to receive immediate funding. It may look long, but we work fast and can provide funding in as little as 24 hours. We work as fast as you can to respond to us after submitting our form.

Try our Factoring Calculator
Use our factoring calculator to see the estimated cash advance, the final amount receivable upon invoice payment and the factoring fee. No email required!
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. Accounts receivable factoring and receivable financing are both forms of business financing that help small businesses access cash quickly. Small business invoice factoring is a popular solution for small businesses seeking immediate working capital, as it provides quick cash flow by selling unpaid invoices to a factoring company. While both provide immediate cash flow and upfront financing benefits, they differ in their mechanics and backend operations. Accounts receivable financing is an alternative to factoring, where businesses borrow against their outstanding invoices rather than selling them outright.
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.
Understanding Costs and Fees
When considering invoice factoring as a financing solution, it’s important for business owners to have a clear understanding of the costs and fees involved. The total invoice factoring cost can vary significantly depending on the factoring company you choose, the value of your invoices, and the creditworthiness of your business customers.
The primary expense is the factoring fee, sometimes called a discount rate, which is typically a small percentage of the total invoice value. This fee compensates the factoring company for advancing funds and managing the collection of outstanding invoices. Factoring fees can range from 1% to 5% of the invoice amount per month, depending on factors like the payment terms, the volume of invoices factored, and the risk profile of your accounts receivable.
In addition to the standard factoring fee, some factoring companies may charge additional costs such as setup fees, service fees, or even hidden fees for things like credit checks or wire transfers. It’s essential for business owners to review the factoring agreement carefully and ask for a full breakdown of all potential charges before signing.
The overall invoice factoring cost is also influenced by the type of factoring agreement you select. For example, non-recourse factoring, where the factoring company assumes the risk if a customer fails to pay, often comes with higher fees than recourse factoring, where the business owner retains some responsibility for unpaid invoices.
To ensure you’re getting the best value, compare offers from multiple invoice factoring companies and look for transparency in their pricing. A reputable factoring company will clearly explain all costs upfront, helping you make an informed decision that supports your business cash flow without unexpected expenses. Always ask questions about any fees you don’t understand and make sure the factoring agreement aligns with your business needs.
Some of our differentiators
Meet Your Team
We appoint a dedicated operations manager for you when you get started. Instead of automated calls and answering machines that other factoring companies provide – we appoint a real person who deeply cares about your business and partners with you to deliver exceptional factoring services.

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.
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What to expect after you fill out our 60 second application
Once approved, funds are typically transferred directly to your business bank account, ensuring quick access to capital. Linking your bank account streamlines the funding process and allows for efficient disbursement of funds.
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.