Turn Outstanding Invoices Into Cash
Borrow against your outstanding receivables to improve cash flow without waiting for customer payments.
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What Is Accounts Receivable Financing?
Accounts receivable (AR) financing allows you to borrow money using your outstanding invoices as collateral. Instead of waiting 30, 60, or 90 days for customers to pay, you can access up to 90% of the invoice value immediately, improving your cash flow and allowing you to reinvest in your business.
Unlike invoice factoring where you sell your invoices, AR financing is a loan secured by your receivables. You retain ownership of the invoices and collect payment from customers as usual, then repay the loan with interest.
Pros
- Immediate access to cash from unpaid invoices
- You maintain customer relationships
- Easier to qualify than traditional loans
- Flexible — borrow as needed
Cons
- Higher cost than traditional financing
- Requires creditworthy customers
- You're still responsible for collections
- May require personal guarantee
Who Should Consider AR Financing?
AR financing is ideal for B2B businesses with outstanding invoices and creditworthy customers. Consider this option if you:
- Have slow-paying customers but need cash now
- Want to maintain control over customer relationships
- Need flexible financing that grows with your sales
- Operate a B2B business with net 30-90 payment terms
Eligibility Requirements
Time in Business
6+ months operating
Outstanding Invoices
B2B invoices with net 30-90 terms
Customer Credit
Creditworthy business customers
Credit Score
600+ (flexible based on customer credit)
Rates & Terms
| Feature | Details |
|---|---|
| Advance Rate | 70% – 90% of invoice value |
| Interest Rate | 1% – 5% per month |
| Repayment Term | 30 – 90 days (matches invoice terms) |
| Fees | Origination fee: 1% – 3% |
| Approval Time | 24 – 48 hours |
| Funding Speed | 1 – 3 business days |
"Don't wait 90 days for payment. Turn your invoices into working capital today."
— Business Funding Solutions
Ready to Unlock Your Receivables?
Get cash for your outstanding invoices in as little as 24 hours
Start Your ApplicationRates, Terms & Approval Disclosure: All loan amounts, interest rates, repayment terms, and funding timelines shown on this page are representative ranges only and are not guaranteed. Actual offers are determined by individual lender underwriting criteria and depend on your business revenue, credit profile, time in business, and other factors. Approval is not guaranteed. Capital Corner is a loan broker — not a direct lender — and does not make credit decisions. We connect applicants with our network of third-party lending partners who make all final lending decisions. Submitting an application does not constitute a commitment to lend, and no funds will be disbursed without a signed agreement from an approved lender. Results vary. Not all applicants will qualify for the amounts or rates advertised. This information is for general educational purposes only and does not constitute financial, legal, or tax advice.