Where Growth Meets Capital
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Where Growth Meets Capital

Invoice Factoring

Accelerate
Cash Flow

Turn outstanding invoices into working capital—fast setup, high advances, simple qualifications.

Professional reviewing invoices on a phone
Invoice Factoring
  • 80–95%Typical Advance
  • 24–48 hrsTypical Funding
  • $30K–$5MFacility Range

Factoring is a sale of receivables, not a loan. Terms depend on debtor quality, verification, and underwriting.

Get Prequalified for Invoice Factoring

Fill out the questions below!

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Fast Facts

80–95%
Typical Advance
24–48 hrs
Typical Funding
$30K–$5M
Facility Range
B2B • Net 30–90
Completed, Verifiable Invoices

*Advance rates, timelines, and limits depend on debtor quality, verification, and underwriting.

What is Invoice Factoring?

Factoring turns your unpaid B2B invoices into immediate working capital. You sell eligible receivables, receive an upfront advance, and the remainder (reserve) is released when your customer pays—less the agreed factoring fee. It’s a flexible way to smooth cash flow without adding a new term loan.

Advance 80–95% upfront
Customer pays the factor
Reserve released on payment

Eligibility depends on completed, verifiable invoices and debtor quality. Fees, reserves, and recourse terms vary by program. Responsible use provides fast liquidity while you keep operations moving.

INVOICE FACTORING

Turn Outstanding Invoices into Immediate Operating Cash

Advance up to 80–95% of eligible invoices; receive the remainder (less fees) when customers pay.

Stratas Financial is a brokerage. Factoring is an assignment of accounts receivable, not a loan. Customer notification and verification are standard; a UCC-1 filing may be recorded. Advance rates, fees, reserves, and recourse vs. non-recourse terms depend on the factor’s underwriting and debtor quality. Additional documentation may be required. Submitting an application is not a commitment to fund or a guarantee of approval. By proceeding you agree to Stratas Financial Terms of Service, Business Financing Terms and Conditions, and Privacy Policy.

Looking to Finance Your Business?

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Accelerate Cash Flow From Receivables

$30K–$5M
Funding Range
80–95%
Advance Rate
Qualification
Based On Application
Support
Dedicated Funding Specialists

Factoring is an assignment of accounts receivable, not a loan. Customer notification and verification are standard; a UCC-1 filing may be recorded. Advance rates, fees, reserves, and recourse vs. non-recourse terms depend on the factor’s underwriting and debtor quality. Stratas Financial is a brokerage and does not make credit decisions. Approval, amounts, and pricing are determined after full review and may change. Submitting an application is not a commitment to fund or a guarantee of approval. By proceeding you agree to Stratas Financial Terms of Service, Business Financing Terms and Conditions, and Privacy Policy.

What is Invoice Factoring?

With our invoice factoring, you convert eligible B2B invoices into immediate cash by selling them to a factor. You typically receive an advance of 80–95% up front, with the remainder (less fees) released after your customer pays the invoice.


Factoring can smooth cash flow when customers pay on long terms. Programs vary by debtor quality and concentration; verification and a UCC-1 filing are common. Options include recourse and non-recourse structures depending on risk.

Top Benefits of Using Invoice Factoring

Convert outstanding invoices into immediate working capital and keep operations moving.

Faster Access to Cash

Initial setup can complete in a few business days; ongoing invoices typically fund within 24–48 hours after verification.

High Advance Rates

Access 80–95% of eligible invoice value up front; receive the remainder (less fees) when your customer pays.

Straightforward Prequalification

Best for B2B invoices on net terms (≈30–90 days) to creditworthy customers. Verification and debtor approval required.

Grows As You Grow

Funding capacity expands with your accounts receivable—no need to reapply for each increase in demand.

A/R and Collections Support

Many factors handle customer notification, verification, and collections—reducing back-office workload.

Non-Debt Working Capital

Factoring is a sale of receivables, not a loan—helpful when you want liquidity without adding a new term debt line.

Factoring is an assignment of accounts receivable, not a loan. Customer notification and verification are standard; a UCC-1 filing may be recorded. Advance rates, fees, reserves, and recourse vs. non-recourse terms vary by factor and debtor quality. Approval and pricing are determined after full review.

Top Benefits of Using Invoice Factoring

Convert outstanding invoices into immediate working capital and keep operations moving.

Faster Access to Cash

Initial setup can complete in a few business days; ongoing invoices typically fund within 24–48 hours after verification.

High Advance Rates

Access 80–95% of eligible invoice value up front; receive the remainder (less fees) when your customer pays.

Straightforward Prequalification

Best for B2B invoices on net terms (≈30–90 days) to creditworthy customers. Verification and debtor approval required.

Grows As You Grow

Funding capacity expands with your accounts receivable—no need to reapply for each increase in demand.

A/R and Collections Support

Many factors handle customer notification, verification, and collections—reducing back-office workload.

Non-Debt Working Capital

Factoring is a sale of receivables, not a loan—helpful when you want liquidity without adding a new term debt line.

Factoring is an assignment of accounts receivable, not a loan. Customer notification and verification are standard; a UCC-1 filing may be recorded. Advance rates, fees, reserves, and recourse vs. non-recourse terms vary by factor and debtor quality. Approval and pricing are determined after full review.

How to Apply for Invoice Factoring

  1. Fill Out the Form to Get Pre-Qualified

    Complete the short form below with basic business info so we can pre-check eligibility fast.

  2. Submit Your Application

    Upload receivable invoices, bank statements, and ID, then finalize your application for underwriting review.

  3. Receive Funding Offers

    Compare offers and terms. Your specialist will help you choose the best fit for cash flow.

  4. Get Funded

    Finalize docs and receive capital—often within 24–48 hours after approval and verification.

Get Prequalified for Invoice Factoring

Fill out the questions below!

NEXT

Is Invoice Factoring Right for You?

If your business does not meet these criteria, you may not be eligible for an invoice factoring facility. However, you could still qualify for another funding product.

  • B2B invoices for completed work
    Eligible receivables only (goods/services delivered)
  • Minimum of 12 months
    Time in Business
  • At least $10,000
    Average Monthly Revenue
  • 500 or higher
    Credit score (primary focus is debtor quality & verifiability)

Factoring is an advance against assigned accounts receivable, not a loan. Typical facility sizes range from $30,000 to $5,000,000. A Notice of Assignment directs customers to a designated remittance account; invoices may be verified prior to funding. Advance rates commonly range 70%–90%, with reserves released upon customer payment (less fees). Most facilities are recourse; concentration limits may apply.

What You’ll Need To Apply

Below are the documents and details we almost always require, plus items that may be requested depending on product, amount, and underwriting review.

Required for all applications

required

Basic Business Information

Legal name and DBA, EIN, business address, ownership percentages, entity type, industry, and contact details.

required

Signer Identification

Government ID and basic KYC for the authorized signer. Personal info may be used for a soft credit check.

required

Business Bank Statements

Last 3–6 months of statements to confirm deposits, cash flow, and account health.

required

Funding Account Details

Voided check or bank letter with routing and account number for funding and remittances.

required

Corporate & Ownership Documents

Articles/organization, operating agreement or bylaws, ownership ledger/cap table, active licenses, and IDs for owners.

Product-specific items (requested based on product and amount)

product specific

Business & Personal Tax Returns

Common for term loans and SBA requests, or for larger limits and longer terms.

product specific

Financial Statements

YTD profit & loss and balance sheet, plus a debt schedule; projections for startups or acquisitions.

product specific

Program Packets

Examples: A/R aging and invoices/POs for factoring; purchase contracts, appraisals, or environmental for real estate/equipment; franchise addenda for SBA.

product specific

Existing Debt Details

Statements or payoff letters for current loans or advances if consolidating or refinancing.

product specific

Collateral & Insurance Evidence

UCC search, equipment lists, COI, or landlord contact; required when collateral or assignments apply.

Tip: Submitting clean, consistent statements and complete ownership information shortens review time across all products.

Stratas — Where Capital Meets Growth

Capital Deployment Strategy. Funding with a plan.

We line up the right term loan or access to capital and a simple month-by-month plan: what the money buys, when it’s used, and what we expect back. Think marketing that fills the calendar, software that saves hours, faster payments, and weekly check-ins so nothing drifts.

Flagship

Term Loan / Access to Capital

For acquisitions, expansion, and working capital—with a plan behind every dollar.

$250,000 – $6,000,000typical funding range
  • Move quickly at competitive rates so you can secure the deal, equipment, or build-out.
  • Milestone releases + weekly reviews—you draw only what you need, when you need it.
  • SBA options (7(a), 504) Longer Terms Up to 16M

Why this works

Money alone doesn’t fix growth—how you spend it does. We help you decide where each dollar goes and how it comes back.

Every engagement runs on a weekly cadence: owners, targets, and a simple scorecard. You stay in control and see progress in real time.

  • 2,500+businesses served
  • $100M+funded
  • USAnationwide coverage
  • SBApartnered programs

How we deploy capital

  • Marketing (B2B & B2C)
    Ads and content that bring in qualified leads; CRM follow-ups that turn them into booked work.
  • Operational Software
    CRM, quoting, scheduling, and service tools built around how you sell and deliver.
  • AI Systems
    Phone/chat that answers and follows up, writing assistants for outreach, and simple dashboards for decisions.
  • Automations
    Automatic handoffs and reminders so tasks happen on time without extra headcount.
  • Payments
    Modern processing that releases funds fast and lowers fees—your cash stays in play.
  • Executive Consulting
    Clear owners, weekly reviews, and 3–5 KPIs that keep momentum.
We also offer
  • SBA Loans (7(a) & 504)
  • Lines of Credit
  • Revenue-Based Financing (MCA)
  • Invoice Factoring

Available nationwide.

Case Study

Multi-Location Dental Group

We deployed $1.0M across paid media, outbound, CRM clean-up, phone AI, and simple automations. The weekly scorecard tracked booked visits, show rate, and revenue per visit. Funds were released in stages only when each step was ready.

  • Payback: ~7 months
  • 12-month return: ~2.5× (about +$1.5M net)
  • Cost per new patient: down ~18%
  • Funds held: none—modern payments
Dental Office
View more case studies

How It Works

  1. Fill Out the Form to Get Pre-Qualified

    Complete the short form below with basic business info so we can pre-check eligibility fast.

  2. Submit Your Application

    Upload bank statements and ID, then finalize your application for underwriting review.

  3. Receive Funding Offers

    Compare offers and terms. Your specialist will help you choose the best fit for cash flow.

  4. Get Funded

    Finalize docs and receive capital—often within 24–48 hours after approval and verification.

Get Prequalified for a Line of Credit

Fill out the questions below!

NEXT

Factoring: Quick Eligibility Check

If one of these isn’t a match, you may still qualify for another product.

  • B2B invoices for completed work
    Eligible receivables only (goods/services delivered)
  • 12+ months
    Time in Business
  • At least $10,000
    Average Monthly Revenue
  • 500 or higher
    Credit score (primary focus is debtor quality & verifiability)

Factoring is an advance against assigned accounts receivable, not a loan. Typical facility sizes range from $30,000 to $5,000,000. A Notice of Assignment directs customers to a designated remittance account; invoices may be verified prior to funding. Advance rates commonly range 70%–90%, with reserves released upon customer payment (less fees). Most facilities are recourse; concentration limits may apply.

Application Checklist

Tip: Clean, complete statements + ownership info = faster decisions.

Stratas — Where Capital Meets Growth

Capital Deployment Strategy Funding with a plan.

We line up the right term loan or access to capital and a simple month-by-month plan: what the money buys, when it’s used, and what we expect back. Think marketing that fills the calendar, software that saves hours, faster payments, and weekly check-ins so nothing drifts.

City skyline at dusk
Flagship

Term Loan / Access to Capital

For acquisitions, expansion, and working capital—with a plan behind every dollar.

$250,000 – $6,000,000typical funding range
  • Move quickly at competitive rates so you can secure the deal, equipment, or build-out.
  • Milestone releases + weekly reviews—draw only what you need, when you need it.
  • SBA options (7(a), 504) when longer terms or larger projects make sense.

Why this works

Money alone doesn’t fix growth—how you spend it does. We help decide where each dollar goes and how it comes back.

Every engagement runs on a weekly cadence: clear owners, simple targets, and a short scorecard. You stay in control and see progress in real time.

  • 2,500+businesses served
  • $100M+funded
  • USAnationwide coverage
  • SBApartnered programs
How we deploy capital
  • Marketing (B2B & B2C)
    Ads and content that bring in qualified leads; CRM follow-ups that turn them into booked work.
  • Operational Software
    CRM, quoting, scheduling, and service tools built around how you sell and deliver.
  • AI Systems
    Phone/chat that answers and follows up, writing assistants for outreach, and simple dashboards for decisions.
  • Automations
    Automatic handoffs and reminders so tasks happen on time without extra headcount.
  • Payments
    Modern processing that releases funds fast and lowers fees—your cash stays in play.
  • Executive Consulting
    Clear owners, weekly reviews, and 3–5 KPIs that keep momentum.
Deployment playbook
  1. Validate: Baseline economics, capacity, and constraints.
  2. Build: Creative, funnel, CRM, and AI/automation builds.
  3. Launch: Phase-gated spend with benchmarks and guardrails.
  4. Optimize: Weekly scorecards & rapid A/B iteration.
  5. Scale: Expand channels and headcount against payback windows.
Case Study

Multi-Location Dental Group

Objective: Grow new-patient production while reducing no-shows and admin load.

Before
  • Fragmented leads & CRM
  • Slow responses (mins/hours)
  • No-show rate ~21%
After (12 mo)
  • Unified CRM + Phone AI
  • Responses in seconds
  • No-show rate ~9%
  • Deployed: $1.0M across media, outbound, CRM clean-up, Phone AI, automations
  • Payback: ~7 months
  • 12-month return: ~2.5× (about +$1.5M net)
  • Funds held: none—modern payments
Case study results visualization
View more case studies