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Financing solution

Invoice Factoring

Help eligible businesses access cash tied up in outstanding invoices.

Overview

Understanding invoice factoring

Invoice factoring allows a business to sell its outstanding accounts receivable to a factoring company in exchange for an advance on the invoice value. The factoring company then collects payment from your customer, and the remaining balance, less fees, is released to you.

Factoring is commonly used by businesses that invoice other businesses on payment terms. APX Funding helps eligible businesses connect with factoring partners.

Common use cases

  • Managing long customer payment terms
  • Funding growth when receivables are rising
  • Covering payroll while waiting for payment
  • Taking on larger contracts
  • Smoothing cash flow for B2B businesses

Potential benefits

Unlock receivables

Access cash tied up in invoices you've already earned.

Customer-focused review

Your customers' payment history and creditworthiness are a key consideration.

Scales with sales

Available funding can grow as your invoicing grows.

Collections support

Some factoring arrangements include collections management.

Benefits depend on the specific product, provider and terms offered.

General eligibility considerations

Each funding partner sets its own criteria. Common considerations include:

  • Business-to-business (B2B) or business-to-government invoices
  • Creditworthy customers with a reliable payment history
  • Invoices for completed work or delivered goods
  • Invoices free of other liens or claims

Frequently asked questions

In many factoring arrangements, customers are notified to send payment to the factoring company. Some providers offer non-notification options. Ask your factoring partner about their process.

APX Funding is an independent commercial financing brokerage and is not a bank or direct lender. We work with third-party funding partners. All financing is subject to eligibility, underwriting, funding partner terms and final approval by the funding provider. Submitting an application does not guarantee approval, a specific amount, rate, term or funding timeline.

Ready to explore your funding options?

Complete our secure online application and our team will review your financing needs.

Applying does not guarantee approval. Financing is subject to eligibility and funding partner terms.

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