Invoice factoring for small businesses

Improve your cash flow now by turning unpaid invoices today into capital you can use tomorrow.

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    What is invoice factoring, and how does it work?

    How it works: The 411 on invoice factoring

    How does invoice factoring work?
    • And how can it help you maintain a stable cash flow and protect your annual revenue?

      • Small business owners sell outstanding invoices to factoring companies (the factor) at a discounted rate
      • The factor advances a lump sum up to 95% of the value of the invoice
      • The factor then collects all payments directly from the client
      • The factor sends the remaining balance to the business, minus any factoring fee, which is typically an agreed-upon percentage

      Have a question about how this works? Our loan experts are happy to help.

    Get invoices paid out in as little as 24 hours

    Never wait months for payments again
    • Rather than waiting 30 to 120 days for your customers to pay you, invoice factoring provides you with a fast business loan in as little as one business day.

      • Apply in just 10 minutes
      • Get approved in as little as 4 hours
      • Receive the funds in your account within 24 hours

    Max advance up to $400,000

    Get the financing you need to grow
    • Convert pending invoices into upfront cash easily. Invoice factoring doesn’t just unlock capital when you need it, it gives you the flexibility to use it as you need:

      • Equipment, inventory, or supplies
      • Employee salaries
      • Short-term projects
      • Repair emergencies

    Factor rates as low as 1.11**

    Funds that allow you to grow
    • We don’t just see you as a P&L, we see the potential behind your business. Get business financing that lets you grow, not owe:

      • Holistic approach to approval that assesses the number of invoices, type of industry, creditworthiness, and other factors
      • Factoring fees that reflects your business, not just a credit score
      • No surprise fees: we’ll tell you when fees may be charged and how much

    Get started today with three easy steps

    Pre-Qualify Online

    Click the “Get Started” button, enter some basic business information, and pre-qualify for loans for your small business.

    Approval In As Little As 4 Hours

    Once approved, a loan advisor will reach out to you with the options you qualify for and help you choose the best business loan or financing product for your situation.

    Receive Same-Day Funding

    Funds are deposited directly into your bank account so you can use your funding immediately

    Turn remaining invoice balances into capital with invoice factoring

    • Fuel your business growth
      Unpaid invoices disturbing your cash flow? Turn them into capital in as little as 48 hours with invoice factoring with our small business loans company.

    • $2B+ in business funding granted
      Lend Bucket is proud to have helped over 30,000 small American businesses realize their potential in 325+ industries.

    • The Lend Bucket difference
      To our loan experts, your business’s value isn’t defined solely by your credit score and P&L. We’ll look at your overall health and potential to forge a partnership instead of a mere transaction.

    Invoice factoring loan advantages and disadvantages

    Is factoring right for your business? Factoring is ideal for businesses that regularly have outstanding invoices and experience cash flow issues as a result.

    Pros

    • Invoice factoring provides a safe, immediate source of cash flow by releasing working capital that is tied up in unpaid invoices, without any hidden fees. Having a lender collect invoices for you allows you to save time otherwise spent on administrative tasks and chasing late payments. It can provide flexibility as amounts, and payment terms can expand and contract with your sales volume.

    Cons

    • Invoice factoring companies will verify your invoices with clients to ensure that they’re accurate. Including a third party can affect customer relationships and also means that you will have to give up some control. If your client has a weak payment history or credit score, your approval may be affected; factoring companies prefer to avoid the risk of non-payment. Invoice factoring can reduce the scope of additional borrowing and the factoring fee is often higher than the fees associated with a longer-term loan.

    Why Lend Bucket for Invoice Factoring?

    • 21st Century Financing For 21st Century Businesses

      Work with Lend Bucket and say “No” to reams of paperwork, weeks of waiting, and surprise fees.

      We’ll give you upfront answers and upfront capital so you can get back to doing what you want to—growing your business.

      We Like Supporting Small Businesses Like Yours
      With more than 30,000 businesses funded across the USA and a 4.8 TrustPilot rating, we put our money where our mouth is.

    Start your application for a working capital loan today

    We serve businesses in over 325 industries across the U.S., and we have thousands of success stories. When you work with Lend Bucket, you’re working with people dedicated to helping you grow your business.

    Frequently Asked Questions

    Lend Bucket’s mission is to provide small and medium-sized businesses like yours with streamlined access to the funding you need to operate and grow.

    What Our Clients Says

    Lend Bucket’s mission is to provide small and medium-sized businesses like yours with streamlined access to the funding you need to operate and grow.

    We Are Ready To Help Grow Your Idea

    When the traditional banks say no, we talk to you about your business. It’s why we’re
    trusted by over 30,000 businesses in over 325 industries.