You did the work. Get paid now, not in 60 days.
Invoice factoring turns your unpaid B2B invoices into working capital, in as little as 24 hours after approval.
What is invoice factoring?
Invoice factoring is the sale of your accounts receivable to Pivot Financing at a discount. We advance up to 90% of the invoice value right away. When your customer pays, we send you the balance, minus our fee.
You get cash today instead of waiting 30, 60 or 90 days, and you do not add debt to your balance sheet.
How much cash is waiting in your receivables?
Move the sliders. See how much working capital your customers’ payment terms are holding back, and what an advance could unlock.
Illustrative only. Not an offer of credit. Advance rates and every fee are set in your written term sheet.
Why companies choose factoring
Immediate working capital
Advances of up to 90%, funded in as little as 24 hours.
Not a loan
Factoring is the sale of an asset. It adds no long-term debt to your balance sheet.
Approval based on your customers
We focus on the creditworthiness of the companies you invoice, not only on your credit score.
Grows with you
Your facility increases as your sales increase. No need to renegotiate every quarter.
Back-office support
We handle credit checks on new customers and professional, respectful collections.
Transparent pricing
One clear fee structure, in writing. No hidden charges.
How invoice factoring works
- 01
Deliver your goods or services and invoice your customer as usual.
- 02
Submit the invoice to Pivot Financing through our client portal.
- 03
We verify the invoice and advance up to 90%, often within 24 hours.
- 04
Your customer pays Pivot Financing on their normal terms.
- 05
We send you the remaining balance, minus our fee.
- 06
Repeat as often as you need. Factor one invoice or all of them.
Recourse or non-recourse?
We will recommend the option that fits your customers and your risk tolerance.
Recourse factoring
You remain responsible if a customer does not pay. Pricing is lower.
Non-recourse factoring
Pivot Financing absorbs the loss if a customer becomes insolvent, as defined in your agreement.
Who benefits
- Distributors and wholesalers
- Manufacturers
- Suppliers to retail chains
- Government contractors
- Staffing and service companies
- Seasonal businesses and fast-growing companies
Frequently asked questions
Straight answers. If yours isn’t here, a specialist will answer it within one business day.
Talk to a Specialist