We provide lender-ready capital raise packaging and debt or equity placement support for business owners and buyers looking to secure serious term sheets and close funding on a defined timeline.
For business owners and acquirers pursuing private debt or equity, submit your deal for review. We revert within one working day with next steps and either a quote for our services.
For pre-submission discussions, we offer paid consultations. To initiate underwriting and lender outreach, submit the deal.
Working Capital And Receivables Finance
Invoice finance is any facility that turns approved, delivered, undisputed invoices into usable cash before your customer pays. In the U.S. market, that usually means invoice factoring(a sale of receivables) or invoice financing(a borrowing structure secured by receivables).
This page lists 10 widely used U.S. providers, then shows you how to compare them like a lender does: fees, advance rate, recourse language, concentration limits, contract minimums, and how collections are handled.
If you want multiple quotes without wasting weeks, Financely can package your file and route it through matched providers. Start here: Fast Invoice Factoring Quotes.
Most search results blur the terms, so here is the clean version. Invoice factoring is typically structured as a true sale: you sell invoices to a factor at a discount, receive an advance (often 70% to 95%), and the factor releases the remainder after payment minus fees. Invoice financing often looks like a revolving line secured by receivables, where you keep ownership and collections, but the lender controls eligibility, borrowing base reporting, and reserves. Both are designed to solve the same problem: your business is performing, but your cash is trapped in net 30, net 60, or net 90 terms.
If you want a deeper comparison with practical decision points (notification vs non-notification, who owns collections, and what “recourse” actually does to risk), read: Invoice Finance vs. Factoring: Which Is Better for Your Business?
This is not a paid ranking and not a promise of approvals. It is a curated list of providers that show up repeatedly in U.S. market coverage, and that publish clear invoice finance offerings. We prioritized platforms with visible underwriting coverage (industry fit), operational capacity (onboarding, portal, invoice processing), and clear product positioning (factoring, receivables finance, or both).
Quick filter: if your invoices are disputed, your proof of delivery is weak, your customers are concentrated in one buyer, or your sales ledger changes weekly, your “best provider” is not the cheapest website you find. It is the one whose underwriting rules match your reality.
altLINE is a bank-owned provider known for straightforward invoice factoring, with dedicated tracks for general B2B and freight. Bank ownership matters because it often signals longer cycle discipline around compliance, documentation, and servicing.
FundThrough is known for software-led onboarding and invoice factoring workflows built around accounting integrations. For operators who think in dashboards and want speed without heavy back-and-forth, that operating model can reduce friction.
RTS is widely referenced for trucking-focused factoring and carrier support services. If your receivables are freight bills and your pain is fuel, payroll, and broker payment cycles, industry specialization can be more valuable than headline “low rates.”
Viva Capital positions as a high-speed factoring provider with industry lanes. If your key problem is timing, meaning you cannot wait weeks for credit decisions, you should ask about onboarding SLAs, verification steps, and how they handle chargebacks.
eCapital offers invoice factoring across multiple industries and publishes a clear product explanation. If your business has seasonal swings, rapid growth, or long terms, you want to understand how the provider treats concentration, dilution, and reserves.
Scale Funding emphasizes invoice factoring support and claims fast setup. When a provider highlights speed, ask exactly what “approval” means: credit approval of your customers, legal onboarding, UCC filing, and portal training are separate steps.
Riviera is frequently referenced for nonrecourse invoice factoring options. Nonrecourse is often misunderstood: it usually covers customer insolvency risk on approved invoices, but does not cover disputes, offsets, or documentation failures.
Triumph is a known name in freight factoring and related carrier workflows. If your risk is broker nonpayment or slow broker payment habits, the core question is how the provider approves brokers and manages verification at scale.
LSQ positions at the intersection of finance and software, with invoice finance and working capital tools. If you want more than “funding,” look at the platform features: invoice visibility, payment status tracking, and supplier or buyer workflows.
Some borrowers want a bank-backed provider for policy discipline and larger-file comfort. First Citizens describes commercial factoring as a working capital tool that can also support collections and exposure controls, which matters when you are selling to large buyers.
Instead of picking a name first, pick the underwriting and servicing model you actually need. A trucking specialist will often beat a generalist on freight verification and broker credit. A software-led platform can beat a relationship-led firm on onboarding speed and invoice submission mechanics. A bank-backed provider can be useful when internal controls and auditability matter more than marketing claims.
| Your real need | What to prioritize in proposals |
|---|---|
| Same-week cash for payroll | Funding speed, verification steps, portal process, cut-off times, and whether you can factor select invoices (spot) versus full ledger. |
| Nonpayment anxiety on approved buyers | Nonrecourse scope, what “approved” means, exclusions (disputes, offsets), credit review cadence, and how limits are adjusted. |
| High buyer concentration | Concentration caps, reserve policy, required buyer credit quality, and whether the factor will underwrite the buyer at the limit you need. |
| Invoice disputes and deductions | Dispute handling policy, chargeback mechanics, dilution thresholds, documentation requirements, and how quickly reserves can be released. |
| Growth in multiple states | Onboarding capacity, multi-location servicing, contract flexibility, and whether they support multiple billing entities cleanly. |
Most businesses compare only the headline fee, and that is how they end up with a “cheap” deal that becomes expensive. You should ask for the full economic picture: the discount rate, any tiering over time, minimum fees, wire fees, due diligence fees, lockbox fees, and the reserve release policy. Then ask how the provider handles deductions, returns, short-pays, and disputes, because those are where cash gets stuck.
If you want a lender-style checklist of documents and a streamlined way to get indicative terms quickly, use: Fast Invoice Factoring Quotes. For broader context on working capital instruments, see: Working Capital Loans: Best Options for Fast, Flexible Business Funding.
Most declines in receivables finance come from file quality, not from the idea of factoring itself. We package your receivables file, define the structure that matches your invoice reality, and route it to providers whose underwriting box fits your industry, buyer quality, and invoice terms. The goal is simple: clean written outcomes and a clear path to closing.
For process detail, review Procedure and How Our Platform Works. If you are ready to move, submit your request here: Submit Your Deal.
If you have issued invoices with proof of delivery or acceptance, submit your receivables pack and buyer list. We will structure the request and route it for indicative terms.
Request A QuoteNo, even if the cash outcome feels similar. Factoring is commonly structured as a sale of receivables: you sell invoices and receive an advance, then a final settlement after payment. Invoice financing is commonly a borrowing base facility secured by receivables, which comes with reporting rules, eligibility tests, and lender reserves. If your priority is speed and simplicity, factoring can be cleaner. If your priority is retaining customer-facing collections control and you have stronger systems, invoice financing can fit better.
Advance rates depend on buyer credit quality, dispute risk, invoice terms, industry chargeback norms, and concentration. A provider might quote 80% to 95% for clean B2B invoices with strong obligors and clear proof of delivery. If the buyer set routinely takes deductions, short pays, or has long acceptance cycles, you should expect lower advances or larger reserves. The right comparison is not just “percent advanced,” but “how quickly reserves are released and under what conditions.”
Recourse generally means you are ultimately responsible if the invoice does not pay for reasons within defined categories, which often include disputes, offsets, and documentation problems. Nonrecourse generally means the provider may assume defined buyer credit risk on approved invoices, but it still does not turn disputes into free money. You should ask for the nonrecourse definition, exclusions, and the exact trigger that turns an unpaid invoice into a covered loss event.
Speed has two layers: onboarding and ongoing funding. Onboarding includes customer approval, legal documents, UCC filing, and setting up the portal or lockbox. Ongoing funding can be fast once those steps are done, often same-day or within 24 to 48 hours after verification. If a provider promises “same-day funding,” ask what proof they require and what time cutoffs apply.
Expect a minimum pack: customer list, aging schedule, sample invoices, proof of delivery or acceptance, your standard terms, any master service agreements, and bank statements. Many providers also request basic financials and a summary of disputes and deductions history. Financely’s packaging approach is documented in: Accounts Receivable Financing Solutions.
Read the minimum fee language, early termination fee, reserve release timing, recourse triggers, and dispute handling. Then confirm what “eligible invoice” means in writing. If your provider can declare invoices ineligible after funding due to technicalities, you can get trapped. A good proposal is one you can audit and operate, not just one that looks cheap on day one.
If you want outcomes, treat invoice finance like underwriting, not shopping. Clean invoices, clean proof, clean buyer list, then compare proposals on the rules that control your cash.
Financely advises growth-focused businesses on accessing capital by introducing their opportunities to professional investors. Financely is not a securities broker or dealer. Where appropriate, engagements are coordinated with regulated broker-dealers, investment banks, legal counsel, and other specialists.
Financely does not solicit, offer, or accept orders to buy or sell securities and makes no assurance regarding capital-raising outcomes.
Services are strictly business-to-business. Financely does not provide personal finance, consumer credit, or retail advisory services.
Advisory services are reserved for post-revenue companies that recognize the time and resources required for professional underwriting.
To proceed,
request a quote
and receive indicative commercial terms. If you require guidance before engaging,
book a paid telephone consultation.
Security notice: we are aware of third parties using Financely’s name without authorization. Only emails sent from our official domains and communications through our portal are valid. Please verify any outreach before sharing documents or sending payments, and read our impersonation warning.
Email supportdesk@financely-group.com for general enquiries, press & partnership requests.
All mandates start with an RFQ. We review submissions, issue a brief Go/No-Go memo, and where bankable, release a Term Sheet that leads to funding. We arrange capital across Senior Secured, Unitranche, Second Lien/Mezzanine, Preferred Equity, and Gap Solutions. We do not process deals by email or chat.
Letters of Credit, Standby LCs, Confirmations, Receivables Finance, and Inventory Lines with control.
Funding arranged for trade flows with instruments sized to your cycle and aligned to delivery and settlement.
Move forward to secure working capital and keep goods moving. Submit the RFQ to start underwriting for funding.
Limited or non-recourse structures for energy and infrastructure with lender-ready materials.
Funding solutions aligned to project cash flows with credible covenants and conditions to reach notice to proceed.
Advance the file to termable status. Submit the RFQ so we can underwrite and secure funding.
Debt and Preferred solutions anchored on cash flow, Quality of Earnings, and clear closing mechanics.
Funding across senior, unitranche, and preferred to match stable cash flows and acquisition timelines.
Get financed on workable terms for closing. Submit the RFQ to start underwriting.
Acquisition, development, bridge, and refinance with lender-ready packs and third-party reports managed.
Funding calibrated to DSCR, leverage, and tenancy with terms designed to close.
Move to a financeable package. Submit the RFQ to initiate underwriting for funding.
KYC and Source of Funds required. Engagements are best-efforts and subject to underwriting. Preference for operating companies with meaningful revenue. See our FAQ and Procedure.
Financely Inc. (“Financely”) provides corporate-finance advice and is wholly owned by Aurora Bay Trust, a trust formed under Bahamian law, together with its authorized affiliates. Depending on deal structure, jurisdiction, and local rules, engagements may be carried out through Financely Group LLC, a non-deposit-taking, non-banking financial company; Ashford Capital Advisory LLC; or another related entity.
Financely and its affiliates are not registered as securities broker-dealers and do not execute securities transactions or hold client funds or securities. When a mandate involves the purchase or sale of securities and a registered intermediary is required, any orders are introduced to and executed by one or more independent U.S. broker-dealers registered with the SEC and FINRA. Those broker-dealers are solely responsible for trade execution, custody, and related regulatory obligations. Nothing in this material constitutes an offer, solicitation, or recommendation to buy or sell any security or to engage in any specific transaction. Before engaging Financely Group LLC, Ashford Capital Advisory LLC, or any affiliate, you are responsible for confirming that such engagement complies with your own legal, regulatory, tax, and other requirements. In the United States, certain advisory activities may be conducted in reliance on exemptions available under the Investment Advisers Act of 1940, including the “foreign private adviser” exemption where applicable. Our services and regulatory status may vary by jurisdiction and by transaction type.
Click
here to download our brochure. Email
supportdesk@financely-group.com for general enquiries.
