Rates as low as 0.4% and financing in as little as 24 hours. Apply Now To Get Approved!

Discover Our Simple and Transparent Process

Get funding without the usual stress.

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.

1

Prospect

Once we get connect, 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.

2

Pre-Approved

Based on your answers and quick research, we determine if you meet our initial requirements. This includes:

  • Selling to other businesses (not consumers)

  • Invoicing after delivery of a product/service

  • Debt structure

  • Monthly invoice volume

Eligibility for invoice factoring often depends more on the creditworthiness of your customers than your own business credit, making it accessible even if your credit history isn’t perfect.

This stage is all about ensuring a good fit before we dive deeper.

3

Proposal Issued

Once you’re pre-approved, we send over a proposal that outlines the key details of our offer, which will include the line amount, advance rate and fee structure.

4

Proposal Accepted

Once you’ve accepted and signed our proposal, we begin collecting more detailed documents for the underwriting process.

5

Underwriting

Our underwriting team will review the information uploaded to
our secured portal, which would include:

  • Analyzing your accounts receivable and accounts payable aging reports

  • Reviewing sample invoices and backup documentation

  • Evaluate your customers’ creditworthiness

6

Credit Committee Approved

Once underwriting is complete, your file is presented to our
internal credit committee. If approved, we’re ready to move forward!

7

Documents Issued & Signed

We’ll send you the official documents via DocuSign to review. Once signed, it’s time for onboarding!

8

Onboarding

You submit your invoices for funding and typically receive funds for those invoices within two to three business days.

$0
Lines of Credit
0%
Rates as low as*
0 hours
Funding in as little as

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.

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