Solutions
Start with the problem you actually have.
Most companies come to a factor after something specific went wrong: a decline, a cut credit line, a payroll week that arrived before a customer payment did. Each page below answers one of those situations directly, with no sales language and no filler.
Based in Oklahoma City. Funding businesses nationwide.
The bank declined my loan
A decline reflects a fixed credit template, not the health of your business. Factoring focuses on your receivables and customers.
My line of credit was denied or cut
Replace a fixed, renewable facility with availability that is sized to your receivables and grows as you invoice more.
I need to cover payroll
Fund wages on your own schedule while customers pay on 30, 60 or 90 day terms. No daily debits, no repayment calendar.
My cash is stuck in unpaid invoices
Release the capital you already earned. Advance rates are typically 80 to 90 percent of eligible invoice value, depending on the deal.
My credit is not strong
Receivable quality and customer creditworthiness weigh heavily. Other underwriting factors still matter, and each situation is reviewed individually.
One mechanism behind all of them
Every situation above is solved the same way: by converting invoices you have already earned into cash you can use now. If you want the mechanics rather than the symptom, start with how invoice factoring works or read how factoring is priced.
Tell us what happened. We'll tell you plainly if we can help.
We fund businesses in all 50 states.