Turn your outstanding invoices into working capital.

If your company invoices other businesses and waits 30, 60, 90 days or longer to get paid, there may be options available to access cash now instead of waiting for those invoices to be paid.

How A/R financing helps

Unlike a traditional bank loan, this type of financing is based largely on your outstanding invoices and the strength of the customers who owe you money. It can provide working capital for payroll, inventory, operating expenses, growth, new contracts, or simply to keep cash flow moving while customers take longer to pay.

Most invoices fall within 30 to 90 days. In some cases, invoices up to 120 days old may qualify, particularly on larger loan amounts, and strong companies may be considered with invoices up to 150 days old.
Funding solutions are available from smaller working-capital needs up to $250 million, depending on the business and receivables.
For qualified businesses, most rates fall between 12% and 16% annually, depending on the strength of the business, its receivables, and the overall transaction.

About John Marino

I've spent 27 years in the financial industry — commercial mortgages, residential mortgages, SBA financing, and accounts receivable financing.

When you work with Business Funding, you deal with me directly, start to finish. No call centers, no hand-offs.

How it works

1. Pick your amount

Choose the funding range below that fits your company.

2. Get the paperwork

Download the package for your range, or send us your deal summary.

3. Send it back

Return the package with your receivables information for review.

Get the paperwork for your funding amount

$750,000 or More

For larger facilities, including invoices up to 120 days old — and up to 150 days for strong companies. Start with the application — for larger facilities we also work from a short deal summary and a financial package, both listed below.

Download the Application

Also helpful: Debt Schedule (PDF)

Faster start: send a short deal summary first — have these ready:

Annual revenues
What your company does
City / state
A/R aging, if available
Your top 5 customers
A/P aging
Time in business (2 years minimum)
Current debts
The amount you're asking for

For the full package, we'll also need:

Financial statements (most recent)
A/R aging summary by customer
Debt stack — what you currently owe

Under $750,000

For smaller working-capital needs. Download the application, then gather the items below.

Download the Application

Also required: Debt Schedule (PDF)

Once a full package is together, financing usually takes about a week.

You'll also need:

Most recent A/R aging — summary and detail
Most recent A/P aging by vendor
Most recent business tax return
2025 year-end and 2026 interim financials (balance sheet and P&L)
Master service agreement + two recent invoices, with purchase orders / proof of delivery