Invoice Factoring for Small Businesses

Convert unpaid invoices into immediate working capital.

Invoice factoring is a fast, flexible funding solution for small businesses waiting on customer payments. Instead of chasing invoices or waiting 30–90 days, you sell your open receivables to Capitalize Loans and get paid upfront — no new debt, no delays.

With capital in hand, you can cover payroll, pay vendors, manage expenses, and keep growing.

Sell Your Invoices For Working Cash

How does invoice factoring work?

The process is simple:

You deliver goods or services and issue an invoice to your customer

You submit that invoice to Capitalize

We advance you a percentage of the invoice — often same day

Your customer pays us directly

We send you the remaining balance minus a small fee

Unlike traditional loans, you don’t take on debt — you’re just unlocking cash already owed to your business.

benefits of invoice factoring

Fast Access to Cash – No need to wait 30, 60, or 90 days for payment
No New Debt – Get funded without adding liabilities to your books
Easy Approval – Based on your customers’ credit strength, not yours
Flexible Use – Use funds for payroll, operations, or growth
Full Control – Choose which invoices to factor — no long-term commitment

These benefits are one of many Capitalize provides for companies that have a hard time qualifying for a traditional line of credit or a business advance.

Why Choose Capitalize?

Transparent Terms – No hidden fees; weekly fees apply only when invoices are paid
Same-Day Funding – Apply and receive funds in as little as 24 hours
Flexible Limits – Credit grows with your sales
You’re in Charge – Submit only the invoices you choose

Invoice factoring is ideal for small businesses with steady B2B clients and long payment cycles. It’s especially useful for service providers, wholesalers, distributors, and contractors who need steady cash flow without new loans.

Ready to Turn Invoices Into Cash?

Check your rate in minutes and talk to a funding expert today.