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Accounts Receivable Factoring: Turn Unpaid Invoices Into Working Capital

Nationwide & Local Invoice Factoring for Small Businesses in Queens, New
York

NO OBLIGATION QUOTE

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What Is Accounts Receivable Factoring?

Accounts Receivable Factoring (or Invoice Financing) is a simple process where your business sells unpaid customer invoices to a factoring company (known as a Factor) for an advance payment—typically 70% to 90% of the invoice value.

The Factor then collects payment directly from your customer. Once your customer pays the invoice in full, you receive the remaining balance minus a small factoring fee.

This gives your business quick access to cash that’s already yours—without waiting on slow-paying clients.

Fast Facts About Accounts Receivable Factoring

Funding Amounts:

$10,000 – $25,000,000 

Rates Starting At:

1% per month

Terms:

Up to 24 months

Funding Speed:

1–2 weeks

How Does Invoice Factoring Work?

Unlike a traditional business loan, Accounts Receivable Financing doesn’t rely on your credit score or years in business.

Instead, it’s based on the credit strength of your customers—the ones who owe you money.

You sell your unpaid invoices to a factoring company.

The Factor advances 70–90% of the invoice amount within a few business days.

Once your customer pays, you receive the remaining balance minus a small fee.

Because approval is based on your customers’ ability to pay—not yours—businesses with low credit scores or inconsistent cash flow can still qualify.

Factoring fees vary depending on how quickly your customers pay, but the benefit is clear:  You get immediate cash instead of waiting 30, 60, or 90 days.

Example: How Invoice Factoring Works

Let’s say you have $20,000 in unpaid invoices with a 3% factoring fee:

  • The factoring company purchases your invoices for 97% of their value.
  • You receive 85% upfront ($16,490) right away.
  • Once your client pays, you get the remaining 15% ($2,910) minus the fee.

That’s instant cash you can use to cover payroll, buy inventory, or grow your business—without taking on new debt.

Why Businesses Use Accounts Receivable Factoring

Businesses across Queens, New York, and the entire United States use invoice factoring to:

  • Maintain steady cash flow year-round
  • Pay payroll, rent, and daily operating costs
  • Avoid high-interest loans or credit card debt
  • Save time by letting the factoring company handle collections
  • Access scalable funding that grows with your invoice volume

The Growing Invoice Factoring Market

Factoring is one of the fastest-growing business financing solutions worldwide:

  • The global invoice factoring market is projected to reach $9.27 trillion by 2025 (Adroit Market Research).
  • It’s growing at an annual rate of 15.8%, fueled by small and mid-sized business demand.
  • More businesses are choosing invoice factoring for flexible, fast, and reliable cash flow support.

Top Benefits of Accounts Receivable Factoring

Fast Access to Cash Flow – Get paid in days, not months.

No Perfect Credit Needed – Approval depends on your customers’ credit, not yours.

Consistent Working Capital – Keep operations running smoothly.

No Collection Hassles – The Factor handles customer payments for you.

No Collection Hassles – The Factor handles customer payments for you.

Is Invoice Factoring Right for Your Business?

  • If you’re a business owner in Queens, New York, or anywhere in the U.S., struggling with slow-paying customers or cash-flow gaps, Accounts Receivable Factoring can be the perfect solution. It’s a fast, practical, and debt-free way to get the cash your business already earned—without waiting for customer payments.

Get Funded Fast – Nationwide Invoice Factoring Solutions

Unlock the cash tied up in your unpaid invoices today!

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