Invoice Factoring

For businesses at any stage, significant working capital is often held up in accounts receivable. Yet, they’re often expected to pay out expenses before collecting their invoice payments. 

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Even with healthy sales to great customers – and a robust ledger of accounts receivable – employee payroll, lease payments, business supply purchases and other ongoing costs won’t wait.

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The gap in working capital may be impeding your business success and put future sales opportunities at risk.

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Invoice factoring (also known as “accounts receivable factoring” or just “factoring”) is a safe and reliable way to access working capital. It converts outstanding invoices into capital paid out to businesses that need help with immediate cash flow needs.

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Invoice factoring is not a loan but rather an advance on payments that are already owed to your business. By working with an invoice factoring company, you’ll be able to get access to that cash flow much faster.

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Quick and secure financing

Invoice factoring is an effective way for your business to access quick and secure financing through the sale of your credit-worthy invoices. You can receive 80% or more of the value of your accounts receivable on a formula basis to grow and/or disburse as your capital needs require.

Your only limit is your ability to sell to credit-worthy customers. We assume, manage and collect the financed debts, as well as provide clear, accessible reporting to keep you up to date on the process.

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We provide unlimited working capital to businesses that can sell credit-worthy invoices to us. Based on the size of your outstanding invoices, you can receive 80% or more of the value of your accounts receivable on a formula basis to grow and disburse as you require.

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We assume, manage and collect the financed debts and provide transparent, accessible reporting to keep you up to date on the process. Where a bank loan might be denied, an invoice factoring company could potentially advance you hundreds of thousands of dollars—in a very short time frame.

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Invoice factoring qualifications

When the bank denies you a loan, Liquid Capital can help you inject much-needed capital into your business. Invoice factoring could provide you with funds to keep your business running in a short time — sometimes as quickly as one day. 

In order to qualify for invoice factoring services from Liquid Capital:

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Your Business

✓ Operate in the B2B space, whether you’re a small business, a growing company, or an established enterprise

✓ Sell a product or service to another business, rather than direct consumers

✓ May not meet the underwriting requirements for a traditional bank loan

✓ May not have the best credit rating right now, but your customers do

✓ Have credit-worthy customers that have consistently paid invoices in the past

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Your Sales Must

✓ Be invoiced to clients on credit terms 

✓ Have a strong pipeline for future opportunities

✓ Have credit-worthy accounts receivables that are likely to be paid on their due date

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Your Invoice Must

✓ Have invoice terms such as net 30, net 60, or net 90 from the invoice date

✓ Are free of liens and encumbrances 

✓ Be within the credit terms and credit limits