Sell open invoices for immediate cash instead of waiting 30–90 days for customers to pay.
Fund supplier payments so you can accept and fulfill orders larger than your cash on hand.
Buyer-led programs that pay suppliers early at 100% while the buyer keeps their payment terms.
Decide who carries the risk of a customer default — and price your funding accordingly.
Factor a single invoice when you need it — no long-term contract or monthly minimums.
Control fuel and operating costs with cards tied directly to your funding line.
Indicative ranges. Final terms depend on debtor credit, volume, and industry.
| Program | Advance rate | Typical fee | Notes |
|---|---|---|---|
| Recourse Factoring | 85–95% | 1.0–2.5% / 30 days | Lowest cost; you cover non-payment. |
| Non-Recourse Factoring | 80–90% | 1.8–3.5% / 30 days | We absorb approved credit losses. |
| PO Finance | Supplier prepay | 2–4% / 30 days | Funds suppliers before delivery. |
| Supply-Chain Finance | 100% to you | Buyer fee / discount | Buyer-led; supplier paid in full early. |
Illustrative scores based on payment history and days sales outstanding (DSO).