AR Financing
What is Accounts Receivable Financing?
Accounts receivable financing, also known as invoice financing is a funding solution that allows your business to unlock cash tied up in unpaid invoices.
Instead of waiting 30, 60, or even 90 days for customers to pay, you receive 1an upfront percentage of your invoice value immediately. The remaining balance is released once your customer pays—minus a small fee.
This solution helps improve cash flow, stabilize operations, and keep your business moving without delays.
Benefits of AR FinancingTurn your unpaid invoices into immediate working capital.
Improved Cash Flow
Access cash tied up in receivables without waiting for customer payments.
Fast Funding
Get funds within 24–48 hours after invoice approval.
No Additional Collateral
Your invoices act as collateral—no need for extra assets.
Flexible Financing
Funding grows with your sales volume, the more invoices you generate, the more funding you can access.
Outsource Collections
In some cases, the financing partner handles invoice collection, saving you time and effort.
Accessible Financing
Approval is often based on your customers’ creditworthiness, not just your business credit.
How Businesses Use AR Financing
AR financing helps maintain steady business operations.
Manage Cash Flow Gaps
Keep operations running smoothly while waiting for invoice payments.
Business Growth
Take on new projects or clients without worrying about delayed payments.
Payroll & Expenses
Pay employees, rent, and suppliers on time.
Inventory Purchases
Restock inventory to meet demand without cash flow constraints.
How It WorksSimple, fast, and designed for ongoing cash flow support.
Provide outstanding invoices for financing.
Invoices are verified and approved quickly.
Get up to 80–90% of the invoice value upfront.
Your customer pays the invoice (to you or the financing partner).
The remaining amount is released after deducting fees.
Who Can Apply?
Eligibility Requirements:
Documents Required
Keep these documents ready to speed up your approval:
When Should You Consider It?A line of credit is ideal if you:
Have cash tied up in unpaid invoices
Offer net payment terms (30/60/90 days)
Want to grow without taking on traditional debt
Work with reliable, creditworthy clients
Frequently Asked Questions
