Factorline advances up to 95% of an invoice the moment you raise it — so a 60-day net term becomes cash in your account before lunch. No loans, no covenants, no dilution. Just the money your customers already owe you, today.
The businesses that stopped waiting sixty days to get paid
Factorline reads your receivables ledger, prices each invoice on your customers' credit, and turns the wait between invoice and payment into a line you can actually plan around.
Factor one invoice or your whole book — you choose, invoice by invoice. No all-or-nothing whole-ledger lock-in, no minimum volume to hit each month.
Submit an invoice before 2pm and the advance clears to your account the same business day. Most first-time payouts land in under four hours.
We underwrite your customers, not you. Sell to blue-chip buyers on long terms and your rate reflects their strength — even if your business is two years old.
Add bad-debt protection and if an approved customer goes insolvent, the loss is ours, not yours. The advance is yours to keep.
Connect QuickBooks, Xero, or NetSuite and invoices flow in automatically. Reserve releases and fees post back as clean, reconciled ledger entries.
The math behind the money
No data rooms, no months of diligence, no personal guarantee on the line. Connect once, then fund whichever invoices you want, whenever the cash flow calls for it.
Link your accounting software in two minutes. We import open invoices and the customers behind them — read-only, nothing leaves your books.
Select the invoices you want advanced. See the exact advance amount, fee, and reserve before you commit — no surprises, no fine print.
Approved advances clear to your account the same business day. The reserve is held until your customer pays — then released, minus the agreed fee.
Our collections team handles the follow-up with your customer, professionally and in your name. You keep selling instead of dunning.
If you deliver the work weeks before the invoice clears, you're financing your customers out of your own pocket. These are the sectors where that gap hurts most — and where we close it fastest.
Cover contractor payroll on a fortnightly cycle while your clients settle in 60. Fund the timesheet the week it's approved, not the quarter it's paid.
Keep trucks moving and fuel cards funded without waiting on broker and shipper terms. Advance the rate confirmation the day the load delivers.
Buy raw materials for the next order before the last one has paid. Turn a signed PO into the cash that fulfils it.
Land the national retailer without the 90-day term sinking your stock budget. Restock on their order, not their payment.
Fund materials and crews against approved progress draws and stage invoices, instead of fronting the job and waiting on retention.
Smooth the lumpy gap between delivering the engagement and the client's accounts-payable run. Get paid on delivery, not on their calendar.
“We landed a national retailer on Net 90 and nearly couldn't afford to fulfil it. Factorline advanced the first purchase order the same afternoon. That one contract doubled the business.”
“Payroll for forty contractors comes every two weeks; our clients pay in sixty days. Factorline closes that gap invoice by invoice, and I haven't missed a run since we switched.”
“The bank wanted two years of statements and a lien on my house for a line a tenth this size. Factorline looked at who owed me and funded it in a day. No covenant, no guarantee.”
You pay a factor fee only on the invoices you actually fund — never on the credit you leave sitting. No setup fees, no monthly minimums, no early-exit penalty.
Fund invoices on demand, no commitment.
For growing books with steady volume.
For high-volume and multi-entity operations.
No. Factoring isn't debt — it's the sale of an invoice you already own. There's nothing on your balance sheet as a liability, no interest, and no covenants. You're simply getting paid early for work you've already delivered.
With standard factoring, payment is redirected to a Factorline lockbox and customers see our remittance details — handled professionally in your name. Confidential (non-notification) factoring is available on the Scale and Enterprise plans if you'd rather keep it invisible.
On recourse factoring, an unpaid invoice is rebought or offset after the agreed period. Add non-recourse cover and if an approved customer becomes insolvent, Factorline absorbs the loss and you keep the advance.
Advance rates run from 80% to 95% and fees start at 1.2% per 30 days, both set by your customers' credit strength and your invoice volume. You'll see the exact figures on every invoice before you fund a single one.
Connect your accounting software and complete a short verification — most accounts are live within one business day. After that, approved invoices submitted before 2pm fund the same day.
Only if you want to. Factorline is selective by default: factor a single invoice to cover payroll, or your whole ledger to fund a growth push. There's no minimum volume and no penalty for funding less in a slow month.
Get a personalized advance rate in minutes — no credit pull, no commitment, no sales call required to see your numbers.