Invoice Factoring
Get paid now, not in 60 days.
Invoice factoring lets you sell unpaid B2B invoices to a factoring partner and get most of the value up front, so a slow-paying customer doesn't stall payroll. Your customers' credit matters more than yours.
Capco Capital is a commercial lending advisory firm that arranges financing as a loan broker, not a lender. Amounts, terms, and guidelines shown are general ranges that vary by lender, borrower, and (where applicable) property or collateral — they are not an offer or a commitment to lend.
Who it fits and how it works
Invoice factoring fits B2B companies waiting weeks or months (commonly 30–90 days) on creditworthy customers. You sell unpaid invoices to a factoring partner and receive most of their value up front; the partner collects when your customer pays. Because your customers' payment history matters most, younger companies can qualify. We match your A/R aging and invoices to factoring programs in our lender network.
Why Factoring
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
Service firms, distributors, manufacturers, freight carriers, telecom and tech companies — any business that bills other businesses or government on net terms.
We arrange financing for businesses nationwide, except in California.
What lenders typically look for
General market ranges across the programs we place — not a quote, and not a promise of approval. Your specialist confirms what fits your file.
| Typical facilities | About $100,000 to $15 million |
|---|---|
| Revenue | Roughly $75,000+ a month in B2B invoicing |
| Time in business | As little as 1 month |
| Credit | Your customers' payment history matters most |
| Invoices | Completed work billed to creditworthy businesses or government |
| Paperwork | A/R aging, sample invoices, customer list |
| How fast | Setup usually takes one to two weeks; after that, invoices can be funded in a day or two. |
How it works
The same five steps for every deal we place — including the parts other lenders gloss over.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
Documents you'll typically need
A starting checklist for invoice factoring — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 033 months of business bank statementsbank
- 04Accounts receivable aging reportar
- 05Sample invoicesar
- 06Customer list / concentrationar
- 07Articles of organization & EINentity
Industries we often advise on for Invoice Factoring
Where invoice factoring is one of the best-fit options for how the business earns.
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