Improve your cash flow now by turning unpaid invoices today into capital you can use tomorrow.
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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.
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
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
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 clear answers fast
Unlike the big banks, we don’t talk in riddles or take weeks to get back to you. Find out in minutes which fast business loan you’re eligible for and get funds in your account in as little as 24 hours.
Trusted by 30,000+ Businesses
With over $2 billion funded to small businesses across the U.S., and a 4.8 out 5 rating on Trustpilot, Lend Bucket is the go-to financing partner for you.
Click the “Get Started” button, enter some basic business information, and pre-qualify for loans for your small business.
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.
Funds are deposited directly into your bank account so you can use your funding immediately.
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Is factoring right for your business? Factoring is ideal for businesses that regularly have outstanding invoices and experience cash flow issues as a result.
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.
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.
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.
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.
Get Qualified Today
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.
Lend Bucket helps small and medium-sized businesses get funding. We strive to be a trusted and committed partner to you, our customers. We make getting loans for businesses affordable, simple, and transparent.
Lend Bucket is a direct lender of working capital loans and merchant cash advances. Through our partners, we offer SBA loans, business lines of credit, equipment financing, long-term loans, and invoice factoring.
Our financing experts can help you:
We work with small and medium-sized businesses to connect them with much-needed capital. Lend Bucket combines data science with a human touch, and we work directly with you to get the best company loans or financing for your unique needs, so you can focus on your products and services.
Some funding products like merchant cash advances and invoice factoring are less credit dependent because these financing products are based on sales instead of a credit report.
Similarly, equipment financing does not have as much emphasis on credit because the equipment can be used as collateral if you default on your loan. Many of our financing solutions can help you build business credit as well.
The eligibility requirements for Lend Bucket’s small business loans and financing depend on which one you’ve selected and are based on a business owner’s specific credit history and creditworthiness. Generally, you need to have:
Specific requirements will vary.
Before asking “how to apply for a small business loan or financing?” you should first consider whether the capital will help your business grow or help your business survive a crisis.
If you don’t have a good reason for business financing, the fees and interest can really add up.
However, if the business financing will help you buy new equipment, hire needed staff, or survive a crisis like the COVID-19 pandemic, then you should consider each of the following questions when reviewing the financing option.
Startups almost never qualify for traditional bank loans, and that is true for Lend Bucket’s business loans and financing as well.
However, there are a lot of options in small business loans and financing for new businesses and startups, including:
“Flexible” means that you can use the capital to fund whatever your business needs.
Some business financing is flexible in its usage, such as a working capital loan, business expansion loan, merchant cash advance, business line of credit, or SBA loan.
However, some loan and financing options are not flexible. Equipment financing can only be used to purchase or lease equipment. Any type of real estate loan will also be specific to funding a physical business location.
Wondering “how do I get a business loan”? Take ten minutes to pre-qualify for small business loans online and we will respond with the best funding options for you. You can get funds in your bank account in as little as 24 hours.
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.
