» Accounts Receivable Financing

What is Accounts Receivable Financing?

Whether you are an established business or just getting started, insufficient cash flow can cripple your operations and growth capabilities. Traditional institutions often do not view your company’s Accounts Receivable for what they are, an asset! Capital Business Finance does not see through the eyes of traditional lending institutions and can turn your Accounts Receivable into working capital. This takes away the concern of making payroll, paying vendors/suppliers, and securing growth capital. Your only concern should be producing a product or performing a service, not having to chase clients to meet everyday expenses. Let Capital Business Finance turn your Accounts Receivable into a Line of Credit by using your invoices as collateral.

How does Accounts Receivable Financing work?

Once you generate an invoice, Capital Business Finance goes to work for you. We begin by verifying the submitted invoice(s) and advancing up to 90% of the total value of the invoice(s). Capital Business Finance is concerned with the credit quality of your clients (account debtors) and not your personal or business credit scores. Working capital will arrive in your bank account within 24 hours. Once your client has sent payment for the invoice(s), Capital Business Finance will charge a financing fee and remit the balance back to you. We can repeat this process as often as you can generate an invoice.

Get the cash you need today.

The 5 Steps of AR Financing

You provide products or services to another creditworthy business on terms.
You send the invoice to your customer and send the invoice, along with any support documentation (i.e. purchase orders, contracts, etc.), to You send the invoice to your customer and send the invoice, along with any support documentation (i.e. purchase orders, contracts, etc.), to Capital Business Finance.
Capital Business Finance will verify the invoice then advance a portion of the invoice directly to you, typically 70% to 90%.
Your customer then pays the invoice by ACH, wire transfer, or a check made out to your company, but sent Capital Business Finance address.
Capital Business Finance then sends you the invoice balance, less our fee. We can repeat this process as often as you generate an invoice.

Capital Business Finance Advantage

Same day approval/closing in 2-5 days
Working capital is sent within 24 hours of receiving invoice
Deal directly with decision makers
No maximums for monthly receivables
No debt is added to your balance sheet

Challenged credit is a non-issue
Years in business is not a factor
Assigned account team for your company
No equity required, keep 100% ownership of your business
Save time and money with a third party handling day-to-day accounts receivable

Our Clients’ Testimonials

“We approached Capital Business Finance because our accountant highly recommended them, but we expected a turn down as we were behind with the IRS. To our surprise, Capital Business Finance assisted in structuring a payment plan with the IRS and offered us a Receivables Line!”

“My business was literally month-to-month. My business partner and I would sit down with the finances at the end of the month and have a hard discussion about closing the doors. We had over 20 employees counting on us. We just couldn’t solve our reoccurring cash flow crisis. Our customers’ slow pay held our cash flow for ransom, keeping us from completing our next project. The day my Capital Business Finance Account Executive walked through our door was the day our business turned around. Now, we have the cash we need to deliver projects on time.”

"Capital Business Finance provides a useful, cost effective service for small businesses who need to maintain cash flow while waiting for customers to process payments through their system. It’s an easy process that comes in handy when the work load is heavy requiring capital but payments for services already rendered are still in receivables. If you find yourself with money owed but low funds in the bank to handle new projects or purchase new materials, give them a call and one of their friendly, professional representatives will guide you through the process. This is not a paid for ad…. I really did write this and mean it.”.

“I am a small business owner with limited working capital. My work load increases 200% in the summer. Capital Business Finance makes it possible for me to pay my employees on time without waiting for my net 30 invoices to be paid. They are a life saver. Customer service is exemplary. Any questions or concerns I have had are handled efficiently and expeditiously. I am a satisfied customer!”

What to Expect with Accounts Receivable Financing

When funding your invoices with Capital Business Finance, you will be assigned a personal account manager who will handle collections, payment processing, and customer credit approvals, allowing you to focus on your business. With Accounts Receivable Financing, we look at the credit history of your customer, not your company or personal credit history.

Years in business is not a factor in our decision to finance, making AR Financing great for start-ups. Once established with Capital Business Finance, you will receive same-day funding on submitted invoices. This gives you access to unlimited working capital, right when you need it. Receivables Financing also allows you to extend longer payment terms to clients and grow your business.