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Entity, amount, use of funds. Soft inquiry to start.
What it is
Invoice factoring advances against receivables that have already been billed. The underwrite leans on the account debtor as much as on you. Notification, reserves, and recourses vary by facility.
It is not a loan in the usual sense, though some structures look like one. Concentration in a single buyer, slow-pay customers, and disputed invoices all change the picture.
Who it fits
B2B operators with clean invoices and solvent buyers: trades, staffing, freight, wholesale. It is a poor fit for consumer receivables, heavily disputed work, or a company with no billing discipline.
Process
Review
Deposits, obligations, and whether this structure is even in scope.
Get funded
Written terms before a signature, if a source can underwrite it.
When it fits
Billed, unpaid commercial invoices where the payer’s credit — not only yours — carries the advance.
When it does not
Consumer receivables, speculative quotes, or invoices already pledged elsewhere.
Who typically qualifies
Operating history with real B2B invoices. Soft inquiry to start; underwriting looks at the debtor too.
Eligibility snapshot
A starting frame — not a decision.
Time in business
Often around six months or more of operating history.
Revenue
A common conversation starts near $15,000 in monthly deposits.
Credit
Personal credit around 500 or higher is a typical starting mention.
Read this before you prefer this product
Ask whether the facility is recourse, whether buyers are notified, what reserve is held, and how disputes are treated.