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First Capital Provides Real Working Capital Solutions With Our Accounts Receivable Factoring Services In Irving, Texas and Most States Nationwide!

How Invoice Factoring Works

Because Invoice Factoring, as a form of commercial finance, is structured as a purchase and sale method of finance rather than a typical loan, factoring offers some tremendous advantages and options for small business owners. For example, factors do not require personal guarantees from their clients and additionally do not require a lengthy business credit history when establishing a financing facility. This makes factoring perfect for young companies and even startups.

With factoring, you can receive advances against your invoices to use to make payroll, pay suppliers, purchase inventory, and expand your business. Invoice Factoring can also allow you to offer the credit limits that many larger customers demand, without having to worry about interruptions to your company’s cash flow. Additionally, factoring can allow you to take advantage of trade discounts, as well as meet trade obligations and other expenses.

Invoice Factoring
  • Invoice Customers For Goods Sold or Services Rendered
  • Submit The invoice to the Factoring Company or Factor
  • Factor will Review Your Submissions and Create an Advance Schedule
  • Advance Funds are Transferred Directly into Your Bank Account
  • Factor Receives Payments Directly into the Lockbox from your Customers
  • Factor Releases Reserve Balances Minus the Factoring Fees

Our Accounts Receivable Invoice Factoring Advance Parameters

Types of Businesses We Factor

  • Staffing, Recruitment, Payroll
  • Guard Services
  • Construction (including Progress Billing and Paid when Paid)
  • Government Contractors
  • Transportation, Logistics, Automotive
  • Real Estate Commissions
  • Healthcare (No Medicare or Medicaid)
  • Janitorial & Cleaning
  • Telecom & Technology
  • Oil & Gas
  • Distributors and Manufacturers
  • Agriculture
  • Business Services

Acceptable Invoices To Factor

  • Creditworthy Customers
  • Customer Must be a Business
  • Short Payment Terms Preferred (30-60 Days ideal) Shorter or Longer Terms Possible
  • Clear and Detailed Invoices
  • Undisputed and Unencumbered, Free of Liens
  • Timely Submitted

Invoice Factoring Guidelines

  • Advance Rates Are Generally 75-95% Depending on the Creditworthiness of your customer
  • Discount Rates (Factoring Fees) are typically 1-5%
  • Tax Liens are Still Possible (You need to let us know on the application)
  • Generally Takes 1-10 Days Depending on the Circumstances with 3-6 Days being the norm

Request Our FREE booklet:
When Banks Say No! The Small Business Guide To Factoring

Commercial Finance Invoice Factoring