Invoice Factoring and Receivables Financing

Turn Unpaid Invoices Into Working Capital

If your business invoices customers and waits 15, 30, 60, or 90 days to get paid, growth can create cash pressure. Invoice factoring, also called receivables financing, helps you unlock cash tied up in outstanding invoices so you can keep operations moving.

Swiftline Capital helps B2B businesses access receivables-based funding that is tied to the strength of your invoices, not the pace of your customers’ payment cycles.

What Invoice Factoring Is

Invoice factoring is a financing solution where a business sells eligible invoices to a funding provider at a discount in exchange for immediate cash. When your customer pays the invoice, the provider releases the remaining balance to you, minus their fee.

This is not a traditional loan that requires long approval timelines. It is a working capital tool designed to match the reality of B2B billing cycles.

Who Invoice Factoring Is For

Invoice factoring is a strong fit for:

B2B businesses that invoice other businesses
Companies with long payment terms that create cash flow gaps
Growing firms that need working capital to fulfill contracts
Staffing, logistics, manufacturing, and service providers
Contractors and subcontractors working net terms
Businesses with strong sales but slow collections timing

Common Use Cases

Marketing and Lead Generation
Increase ad spend, expand campaigns, or fund sales team efforts that create immediate revenue lift.

Payroll Coverage

Bridge the gap between paying your team today and getting paid by customers later.

Materials and Job Costs

Fund materials, vendors, and job costs while invoices are still outstanding.

Fulfill Large Contracts

Increase capacity without turning down work due to cash flow constraints.

Reduce Cash Flow Stress

Stabilize operations when customer payment cycles are inconsistent.

How the Process Works

Step 1: Quick Business and Customer Review

Share what you bill, who you bill, and typical payment terms.

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Step 2: Invoice Eligibility Assessment

We evaluate invoice types, customer profiles, and documentation requirements.

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Step 3: Approval and Setup

Once approved, the facility is established and invoices can be submitted for funding.

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Step 4: Ongoing Funding

As you invoice customers, eligible invoices can be converted into working capital.

4 What You Should Have Ready

To move quickly, it helps to have:

Aging report or list of current invoices
Sample invoices and customer contracts if applicable
Basic customer list and payment terms
Recent bank statements or revenue overview
A clear picture of how funding will be used

Even if you are early, we can start with invoice volume and customer types.

Why Businesses Use Swiftline Capital

Access to factoring partners that match different industries
Clear guidance on customer eligibility and documentation
A working capital solution aligned to growth and contract fulfillment
Faster liquidity without waiting on net terms
Straightforward execution from setup through funding

Request Invoice Factoring Options
If you invoice customers and want to stabilize cash flow while continuing to grow, we can review your scenario and outline factoring and receivables financing options.

Request an Invoice Factoring Consultation

If you have a deal under contract or want to evaluate a potential acquisition, we can review the scenario and outline available hard money options.