FUNDING SOLUTION
Turn Unpaid Invoices Into Immediate Capital
Stop waiting 30, 60, or 90 days for your customers to pay. Accounts receivable factoring converts your outstanding invoices into cash you can use today, without adding debt to your balance sheet.
Soft credit pull, won't affect your score. No obligation.
Advance Rate
Up to 90% of invoice value
Invoice Terms
Net 30, 60, or 90
Approval Speed
4 – 8 hours
Structure
Not a loan, no debt added
OVERVIEW
What Is Accounts Receivable Factoring?
Accounts receivable factoring, also called invoice factoring, is a financing method where you sell your outstanding invoices to a funding company at a discount in exchange for immediate cash. It's not a loan. You're simply accelerating the payment you've already earned.
Say a customer owes you $50,000 on Net 60 terms. Instead of waiting two months for that cash, you sell the invoice to Monera Capital, receive up to 90% of its value upfront, and get the remaining balance (minus a small fee) once your customer pays. The money you've already earned stops sitting in someone else's accounts payable.
Factoring is priced as a fee rather than an interest rate. Our guide to how business funding costs work explains how factor fees compare to rates and APR so you can judge the true cost. Weighing factoring against a revolving line instead? Our comparison of invoice factoring vs. a line of credit lays out when each one fits.
How It Works
Submit Your Invoices
Share the outstanding invoices you'd like to factor. We review the invoice details and your customer's payment history.
Get Funded Upfront
Once approved, we advance up to 90% of the invoice value directly to your business bank account, typically within 24 to 48 hours.
Customer Pays, You Get the Rest
When your customer pays the invoice, we release the remaining balance to you minus a small factoring fee. Simple and transparent.
Why Choose AR Factoring with Monera Capital
No Debt on Your Books
Factoring is a sale of receivables, not a loan. It doesn't add debt to your balance sheet or require monthly repayments from your operating cash flow.
Cash in Hours, Not Months
Stop waiting 30, 60, or 90 days for customer payments. Convert outstanding invoices into working capital within 24 to 48 hours.
Your Customers' Credit Matters, Not Yours
Factoring approval depends primarily on your customers' creditworthiness and payment history, not your personal or business credit score.
Scale With Your Revenue
The more invoices you generate, the more funding you can access. Factoring grows naturally alongside your business without reapplying.
When AR Factoring Makes Sense
Long Payment Cycles
Your customers pay on Net 30, 60, or 90 terms and you need cash sooner to cover operations.
Rapid Growth
You're winning new contracts faster than your cash flow can keep up. Factoring bridges the gap.
Government or Corporate Clients
Large organizations often pay slowly. Factoring lets you serve them without cash flow pressure.
Limited Credit History
Since approval depends on your customers' credit, factoring works even if your own credit history is limited.
Avoiding New Debt
You want capital without adding loans or monthly obligations to your balance sheet.
Seasonal Revenue Gaps
Factor invoices during slow months to maintain steady cash flow year-round.
Eligibility Requirements
AR factoring requirements are different from traditional loans. The focus is on the quality of your invoices and the creditworthiness of your customers, not your personal credit score.
- B2B or B2G business (you invoice other businesses or government entities)
- Outstanding invoices from creditworthy customers
- Invoices free of liens or encumbrances
- Active U.S. business bank account
- Valid government-issued ID
Factoring works best for businesses that invoice other businesses or government agencies. If your customers are individual consumers, other funding options may be a better fit.
Every document you need, in one checklist
A free printable checklist of the documents most applications ask for, with the application form included, so you can gather everything before you apply.
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Tell us where to send it. No obligation.
Explore Other Funding Options
AR factoring isn't the only way to improve cash flow. Consider these alternatives.
Working Capital Loans
Fast, short-term funding for operational expenses when you need capital beyond your receivables.
Business Line of Credit
Revolving access to capital you can draw from anytime. Only pay for what you use.
Business Loans
A lump-sum loan with fixed terms for planned investments or larger capital needs.
Industries We Commonly Fund
See What You Qualify For
It takes less than 30 seconds. Soft credit pull, won't affect your score.
AR Factoring FAQs
How much of my invoice value can I get advanced?
You can get up to 90% of the invoice value advanced, typically within 24 to 48 hours. When your customer pays, you receive the remaining balance minus a small factoring fee.
Is AR factoring a loan?
No. Factoring is a sale of your receivables, not a loan, it doesn't add debt to your balance sheet or require monthly repayments from your operating cash flow.
Does my credit score matter for factoring?
Approval depends primarily on your customers' creditworthiness and payment history, not your personal or business credit score. That makes factoring a fit even if your own credit history is limited.
What do I need to qualify?
You need to be a B2B or B2G business with outstanding invoices from creditworthy customers, invoices free of liens or encumbrances, an active U.S. business bank account, and a valid government-issued ID.
What invoice terms work with factoring?
Invoices on Net 30, 60, or 90 terms are a common fit, factoring lets you stop waiting on those payment cycles and access the cash now.