Invoice Factoring

Receiving payment upfront is ideal, but not always feasible. Invoice factoring from BB Capital can provide working capital in as little as 24 hours, helping your small business bridge the gap between issuing an invoice and receiving payment.

What is Invoice Factoring?

Invoice factoring is a flexible financing solution that helps businesses convert unpaid invoices into immediate working capital. This non-loan funding method provides fast access to cash, often within just one business day.

At BB Capital Solutions, we purchase outstanding invoices at a reduced rate, advancing businesses between 70% and 90% of the invoice value, with funding available up to $100,000 per common ownership. Companies can choose to factor multiple invoices at once or select individual or small groups of invoices based on their needs.

With our online invoice factoring service, we manage the collections process on your behalf, making it easier for you to focus on running your business. Once your client makes a payment, we transfer the remaining balance to you, deducting our fee. Repayment terms typically range from 30 to 90 days. We prioritize professionalism and ensure that all collections are handled with care to maintain strong client relationships.

Who Should Apply Online for Invoice Factoring?

Invoice factoring is a great solution for businesses that:

Have long accounts receivable cycles
Manage a high volume of outstanding invoices
Need to bridge the gap between issuing invoices and receiving payments
Have invoices valued at $15,000+ with extended credit terms, provided they are not over 90 days past due
Require quick access to capital
Operate in the B2C sector and need smaller funding amounts
Have lower credit scores or lack traditional collateral, such as real estate or large assets

Merchant cash advances can benefit restaurants, dental practices, attorneys, medical practices, gas stations, pharmacies, and more. Regardless of your industry, our expert Funding Advisors at BB Capital will work closely with you to identify the best funding solution to support your business goals without straining your cash flow.

How to Get a Merchant Cash Advance

Apply

Prepare three months of bank statements and other relevant financial documents. For a quicker approval process, securely grant us access to your bank account’s transaction data.

Choose Funding

A Funding Advisor from BB Capital will contact you within an hour (during regular business hours) to finalize your application and discuss your available financing options.

Get Funded

Once you and your Funding Advisor determine the best funding solution for your business, your application can be approved, and funds deposited within 24 hours.

Set Repayment

Repayment is completed when your client settles their invoice. We will handle the collection process professionally and transfer the remaining balance to you after deducting our fees.

How to Use Invoice Factoring:

There are no limitations on how you can use funds from invoice factoring. This financing option is particularly useful for:

Managing cash flow gaps without taking on long-term debt
Covering ongoing expenses such as payroll, rent, and utilities while waiting for client payments
Investing in growth opportunities, upgrading equipment, or making high-value purchases with strong returns
Capitalizing on seasonal opportunities, such as bulk inventory purchases to meet increased demand

BB Capital Solutions provides flexible invoice factoring solutions to help businesses maintain financial stability and support long-term success.

Invoice Factoring Q&A

How do you decide which invoices to factor?

We assess the credit worthiness of the customer you invoiced to ensure their ability to pay. Once they are approved and a relationship is established, we purchase all outstanding invoices for that customer until either party decides to discontinue the arrangement.

Do you require the first position on invoice factoring?

No, we do not require the first position on invoice factoring, though many lenders do.

How will my customers know where to send payments?

We provide your customers with the necessary payment details to transfer funds directly to our business bank account. Before processing, we conduct a test to ensure payments are received correctly. While we handle collections, we are not a collections agency we understand the value of your customer relationships and ensure all transactions are managed professionally.

Is invoice factoring considered a loan?

No, invoice factoring is not a loan. It is a type of asset-based financing known as “accounts receivable financing.” There are different forms of invoice factoring, including invoice financing and invoice discounting. Learn more about how online invoice factoring works.