If your customers pay in 30, 60, or 90 days, your money is real — it's just stuck. Invoice financing unsticks it.
How it works
A funder advances you most of an unpaid invoice's value now (often 80–90%), then releases the rest, minus a fee, when your customer pays. You get working capital without waiting on slow accounts.
Why owners use it
- You're growing faster than your receivables collect.
- A big client pays slowly but reliably.
- You'd rather not take on flat debt for a temporary gap.
The trade-off
It's tied to your invoices, so the cost scales with how long customers take to pay. Clean, creditworthy customers earn the best terms. For a business with strong sales but lumpy collections, it's often cheaper and cleaner than a lump-sum advance — because the cash you're borrowing is money you've already earned.