Invoice Financing2024-07-02T16:50:40-04:00

Invoice Financing

AR Invoice Factoring for Small Business

Get lightning-fast access to unlimited funds based on the size of your outstanding customer invoices

Big Think Capital BBB A+ Rating
Certified Small Business Financial Professionals


all fields required


Loan Amount up to

90% Value

Decisions as fast as

72 hours

Stop Waiting for Payments and Access Your Working Capital

Big Think Capital’s  invoice funding  lets you access working capital that’s tied up in accounts receivable due to slow-paying customers.

Have full confidence knowing you can unlock the full value of your unpaid customer invoices. Fill larger orders and take on bigger customers, on your terms.

Apply today and our dedicated support team will help you identify funding opportunities and help your business grow.

Access to Quick Cash

Simple Process

No Minimum FICO

Get started with AR Invoice Financing

Provide basic information about your business. If approved, you can request funds and receive them in your account in as fast as 72 hours.

Minimum qualifications

  • 3+ months in business

  • $240,000 in yearly revenue

  • No Minimum FICO

What you need to apply

  • Basic details about you and your business

  • Bank statements for past 3 months

  • Business is in good standing

Start your application & secure the
funds your business needs today

Proven Excellence

Don’t just take our word for it—check out what our clients have to say:

social proof by Endorsal

Frequently Asked Questions

Is this the same as an asset based loan?2022-12-01T20:31:37-05:00

Not limited to just invoices, an Asset Based Loan allows your company to borrow against accounts receivable but may also include fixed assets such as inventory and machinery. Asset Based Loans can be viewed as a halfway point between a bank Line of Credit and Factoring. In cases where the ABL is leveraged against invoices, it works much like a line of credit. You may borrow up to 80% against eligible receivables, paying back the borrowed amounts plus interest when the invoices are paid.

The advantages of an Asset based loan:

Because the loan is leveraged against your assets, the current history or even credit rating of your company may be irrelevant. This can be an excellent option for growing businesses that have not yet established a credit history but that have established good cash flow. In addition, you’ll have the flexibility to access cash in relation to your current accounts receivable which can enable much more rapid growth of your company than waiting for customers to pay. Finally, Asset Based Loans may be cheaper than Factoring, as the interest rate is usually based upon the prime rate.

The amount you can borrow is determined by a borrowing certificate, which details your assets such as outstanding receivables (minus ineligible assets) and applies the resulting amount to your credit limit.

What is the benefit and the cost of invoice factoring?2022-12-01T20:31:37-05:00

A major benefit of Invoice Factoring is the availability to small businesses that have no established credit. Because you’re selling accounts receivables, the credit score of your customers is taken in to account but yours is irrelevant. You can access cash very quickly, which may allow businesses with regular monthly operating expenses to offer Net 30 and Net 60 day terms to customers, and Invoice Factoring is easier to get than business loans. Finally, setting up Invoice Factoring is relatively quick compared to other kinds of business financing.

The typical interest rate for Invoice Factoring will range between 1.5 and 3.5 percent per month, depending upon the size and credit score of the company paying the invoice.

What is invoice factoring or invoice financing?2022-12-01T20:31:37-05:00

The key to Invoice Factoring is to understand that invoices are, from an accounting standpoint, an asset. Any asset can be sold for all or a portion of its value. Because it’s a sale of an asset, rather than a loan, it can be a much easier and quicker way of accessing cash for your business.

In the case of Invoice Factoring, you sell your invoices to a third party who pays you cash for the value of those invoices, assuming that the customers for those invoices have good credit and a history of paying their bills. In a typical invoice factoring deal, you would receive 80% of the value of the invoices up front, often as quickly as one day from the request of funds, and the remaining 20%, minus the factoring fee, when the invoice is paid.

Once you’ve established a relationship with a factoring purchaser, Invoice Factoring works very much like a line of credit, with the amount of funds available to you being tied to the current total of your verifiable accounts receivable. Factoring can be an excellent financing option for companies where operating needs occur out of sync with customer payments.

What are the pros and cons of invoice financing?2022-12-01T20:31:56-05:00


  • Relatively simple application process
  • Your credit score irrelevant
  • Quick access to cashInvoices themselves are the collateral


  • Higher fees than other forms of financing
  • May adversely affect client relationships
  • May carry additional fees for cancelling serviceSubject to your customer’s credit score
  • Costs you more the longer your customers take to pay


At Big Think, we can help you structure the best loan for your needs. If you’re confused or need clarification about the qualifying requirements for a loan, please contact us. We’ll be happy to help.

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