Best invoice factoring companies for any small business in 2023.

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Loan Amount
$50k–$50 million
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Time to Fund
Same day–48 hours
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Loan Terms
30–180+ days
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What is invoice factoring?

Invoice factoring is a type of financing where businesses sell outstanding invoices to a third party, called a factoring company, in exchange for funds up front. It is an alternative form of financing, since it is considered a sale, not a loan.

Best invoice factoring options.

Lendio carefully selects the lenders in its marketplace and then works with you to find the best revenue-based financing for your unique situation. Read on for stats on each lender and what each lender is best at. Learn about our methodology for lender selection here.
Lender/Funder*
Min. Time in Business
Loan/Financing Amount
Min. Credit Score
Time to Funds
Raistone Capital
1 year
$50,000 - $50 million
N/A
As soon as next day
Gilman-Bagley
3 months
$50,000–$10 million
N/A
As soon as same day
Eagle Business Funding
Any
Up to $5 million
N/A
As fast as 48 hours
TBS Capital Funding
Any
Up to $10 million
N/A
Less than 24 hours

Raistone Capital – Invoice Factoring

Funding amount
$50,000 - $50 million
Term
30 - 180 days
Min Credit Score
None, based on accounts receivables
Time to funding
As little as one day

Gillman-Bagley – Invoice Factoring

Funding amount
$50,000 - $10 million
Term
30 days
Min Credit Score
None, based on accounts receivables
Time to funding
As soon as same day

Eagle Business Funding – Invoice Factoring

Funding amount
Up to $5 million (no minimum)
Term
No term
Min Credit Score
None, based on accounts receivables
Time to funding
As little as 48 hours after approval

TBS Capital Funding – Invoice Factoring

Funding amount
Up to $10 million (No minimum)
Term
No term
Min Credit Score
None
Time to funding
Within 24 hours or less

Minimum requirements for a short-term loan.

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Credit score
600+
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monthly revenue
$8K+
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time in business
6+ months

How much can I qualify for?

Quickly estimate your funding options. Lendio's proprietary AI model analyzes recently funded deals to estimate offers tailored to your business profile.

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Congrats—it looks like you qualify.*

Based on your business information you could qualify for up to $ in funding.

Funding amount* Estimate

Up to $

*Amount is an estimate only using the information provided. Qualification criteria, rates, and other funding terms will vary depending on the type and location of your business, and upon other factors. This is not a guarantee of funding, and it should not be relied upon as an accurate assessment of the availability or terms of the represented funding products.
It looks like you don't qualify—yet.

Many businesses don't qualify for funding for all kinds of reasons. A few factors could include:

Not enough revenue
Not enough time in business
Credit score is too low

*Qualification criteria, rates, and other funding terms will vary depending on the type and location of your business, and upon other factors. This is not a guarantee of funding, and it should not be relied upon as an accurate assessment of the availability or terms of the represented funding products.

Four simple steps to funding.

Tell us about your business.

Answer a few simple questions and complete the application in minutes.

Submit your application.

We’ll present your application to our marketplace 75+ lenders. Applying is free and won’t impact your credit score.

Compare offers.

Find the funding option with the terms that best fit your small business goals.

Get funded.

Once you accept, funding can hit your bank account in as little as 24 hours.

14+ years of serving small businesses.

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$16+ billion

in small business funding facilitated in the last decade.

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21,500 Trustpilot® reviews.
50% repeat customers.

400,000+

total small business loans funded in the last decade.

Ready for funding?

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