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Factoring for Technology Companies

Get consistent funding to improve cash flow for your tech company.

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Find The Funding Solution for Your Tech Company

Many technology companies experience a cash flow gap due to their customers taking 30 days or more to complete payment for invoices. This waiting period for payment can often present challenges for companies as they lack funds for managing payroll, paying bills or investing in new resources.

Porter Capital can provide an advance within 24 hours to provide your business with a steady cash flow so you don’t have to wait for income. With over 30 years of experience, Porter Capital is one of the top technology factoring companies and will make working capital more accessible to allow your business to thrive.

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Benefits of Factoring for Tech Companies

Factoring services for the tech industry offer more than just a cash advance. By utilizing business funding solutions such as working capital loans for tech companies, you also gain access to benefits such as:


Putting Porter Capital in charge of collections will help your company save on overhead while reducing staffing costs. Porter Capital will communicate directly with customers about open invoices and create a payment schedule.

Credit and Background Checks

Porter Capital will evaluate all new and existing customers to determine their creditworthiness and assign a spending limit to all approved companies. Our credit and background check services will allow you to trust that your clients can and will pay so you can complete orders with confidence.

Short-Term Contracts

At Porter Capital, we understand that a long-term factoring contract may not be the best fit for your technology company. We offer short-term contracts for our factoring agreement that you can easily renew or cancel.

Online Reporting

Instant and constant access to updated reports online will help your company incorporate the latest factoring information into its business accounts. Our team will provide you with a unique login that will show information such as your last transaction and which invoices remain open.

How Does Factoring Work for Tech Companies?

Invoice factoring for technology companies enables businesses to receive access to their income without creating additional debt. Porter Capital will pay up to 95% of your factored invoices upfront, allowing you greater flexibility to fund daily operations.

Factoring for IT & software companies process occurs through four steps:

  1. Submit Invoices: When you send an invoice to your customers after completing a technology product or support order, send a copy of this invoice to Porter Capital as well. You can choose which invoices to submit for factoring or partake in our accounts receivable services for tech companies to factor every invoice you issue.
  2. Receive Your Cash Advance: Porter Capital will verify your invoice and pay 85% to 95% of the total amount. The remainder of your invoice will go into a reserve account until the customer completes payment and closes the invoice.
  3. Continue Normal Business Operations: After we pay a percentage of your invoice, the responsibility of active collection falls to Porter Capital. While Porter Capital collects payments from your customers, you can use your payments to cover expenses or pay debts to improve your company’s credit rating.
  4. Receive Your Reserve Payment: Once Porter Capital receives payment from your customer, we will pay you the remainder of your invoice minus a small factoring fee.

Utilize our invoice factoring calculator to determine the estimated cash advance, the final amount receivable upon invoice payment, and the associated factoring fee.

Factored Invoice Amount ($)
Factoring Rate (%)
Advance Rate (%)

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How Porter Capital Helps Tech Companies

Porter Capital provides technology companies with access to the best factoring rates. Some additional benefits of partnering with Porter Capital include:

  • Services from a trusted B2B factoring company
  • Funding for outstanding invoices
  • Minimum documentation requirements
  • No concentration limits
  • Superb customer service
  • Improved cash flow for your business
  • Flexible financing
  • Competitive rates
  • Quick invoice factoring access

Get Factoring for Your Tech Company

With our quick approval process and competitive rates, you can rely on our invoice funding for tech companies to provide the financial resources you need to help your business grow. Complete our contact form today if you’re ready to start experiencing faster cash flow, financial stability and opportunities for expansion with Porter Capital.

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