Business Invoice Factoring

What is invoice factoring?

Invoice financing is a process where you sell your outstanding invoices to a third party in exchange for cash upfront. It’s different than any other form of alternative finance, like bank loans that can have negative impacts on credit scores. Invoice factoring doesn’t allow this because it involves selling an asset instead. The debtor has no control over what happens next. Invoice sellers keep 100% ownership until all debts have been paid off completely – at which time they may decide whether or not to make them available again through another sale / purchase agreement.

How does invoice factoring work?

Factoring is an excellent and straightforward way to finance your business. A few quick questions can determine if this process makes sense for you.

Looking For Invoice Factoring?

Keep your business rolling.

Do I Qualify For Invoice Factoring?

Minimum qualifications

530+ FICO

3+ months in business

$10,000 in monthly revenue

Your business is B2B

What you need to apply?

Some information about your business

Basic details about your invoices

4 months most recent business bank statements

Why Consider A Business Line Of Credit?


Having access to additional working capital is always a best practice when running a small business.  For the times you don’t want or need a large lump sum and the long-term commitments that come with a small business loan; or the times when a business credit card is just not the right choice for the health of your business, a business line of credit may be exactly what you need.  With an expedited application process, affordable rates, and flexible repayment schedules (weekly or monthly), having reliable and continuous access to cash flow has never been simpler.

Factoring advantages


In order to keep the doors open, small business owners need a plan. Two powerful tools that can help them with this are cash flow forecasting and invoice factoring.

Businesses will use these two methods to make covering future expenses like taxes or salaries easier by collecting the invoice revenue sooner rather than later. Since it takes time for money owed on an invoice to be collected, invoice factoring allows business owners to forecast when that money will be available.

We're Waiting For Your Application!

Let our experts help your business.

At Progressive Business Capital, we make it fast and easy to get the cash you need for your small business to continue running smoothly.

Millions Funded Since 2011

*Same-day funding within 24-hours, funding times depend on several factors including delivery of necessary documents for approvals, communication delays, banking hours, holiday hours, transfer delays, and other unexpected events.

All loans issued are at the sole discretion of the lender or funder. Your small business loan agreement or business advance agreement will identify the funder/loan issuer before you sign, and any product or loan amount offered will depend on the underwriting standards of the issuer. ProBizCap is not a direct lender, does not offer loans or cash advances of any kind.

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