Running a business often means juggling accounts receivable and outgoings—especially when customer payment terms stretch 30, 60 or even 90 days. If you’re hunting for a solution to bridge that gap, invoice factoring can be your secret weapon. Instead of waiting for clients to pay, you turn outstanding invoices into immediate working capital, keeping payroll, inventory and growth plans on track.

What Is Invoice Factoring?

Invoice factoring is a financing arrangement where you sell your unpaid B2B invoices to a factoring company in exchange for a cash advance—typically up to 90% of the invoice value. Once your customer settles the invoice, the factor remits the remaining balance minus a small fee. It’s not a loan, so you won’t incur new debt on your balance sheet.

How Invoice Factoring Works

1. Submit your invoices to the factor immediately after invoicing your customer.
2. Receive up to 90% of the invoice amount within 24–48 hours.
3. Customer pays the factor directly on your standard terms.
4. Get the remaining balance (minus the agreed fee) once payment clears.

Fora Financial Overview

Fora Financial specializes in flexible working capital solutions for small businesses. Since inception, they’ve funded over 55,000 customers and supplied more than $4 billion in financing. Rather than treating your credit score as the only measure of eligibility, Fora Financial evaluates your growth potential and tailors funding options accordingly.

Why Choose Fora Financial for Invoice Factoring

Faster Turnarounds

With approval and funding in as little as 24–48 hours, Fora Financial eliminates the weeks-long wait that traditional banks impose.

Flexible Terms

Borrow up to $1.5 million of working capital with no usage restrictions. Use funds on payroll, inventory, marketing or equipment—wherever your business needs them most.

No Application Fees

Fora Financial’s goal is to make financing as painless and budget-friendly as possible. You won’t pay upfront fees just to apply.

One-to-One Service

Every customer is assigned a dedicated Capital Specialist who builds a relationship, answers questions and guides you toward the best funding strategy.

No Prepay Penalties

If you generate extra cash and want to pay off your advance early, you can—without incurring any penalties.

Key Benefits of Invoice Factoring

• Immediate Cash Flow: Turn invoices into spendable funds in days, not months.
• Debt-Free Financing: Since it’s not a loan, your liabilities remain lower.
• Scalability: As your invoicing grows, so can your available factoring limit.
• Credit Flexibility: Fora Financial values your business potential over a single credit score.
• Operational Stability: Smooth out seasonal fluctuations and manage supplier payments on time.

Is Invoice Factoring Right for Your Business?

If your company issues B2B invoices with net terms, experiences slow-paying clients or has seasonal revenue swings, invoice factoring could be the game-changer. Industries such as manufacturing, staffing, wholesale distribution, transportation and professional services frequently leverage factoring to maintain cash flow without taking on long-term debt.

How to Get Started

Ready to keep your operations humming and seize growth opportunities? Get your Business Funded on Fora Financial Today and discover how seamless invoice factoring can be. Their streamlined online application takes minutes, with most approvals issued within 24–48 hours.

Don’t let unpaid invoices stall your momentum. Leverage the power of invoice factoring and partner with Fora Financial to unlock the working capital you need—when you need it. Get your Business Funded on Fora Financial Today.