Invoice Financing — Turn Unpaid Invoices Into Cash Now
Last updated: July 2026 · By the LoanSource Pro editorial team
Invoice financing advances you most of the value of your unpaid B2B invoices today, instead of waiting 30, 60, or 90 days for customers to pay. It fits businesses whose cash is trapped in receivables — trucking, staffing, wholesale, manufacturing, contracting — and it's often the lowest-cost fast option because approval leans on your customers' credit, not just yours.
See if you qualify — get connected with a funding specialistNo obligation · No hard credit pull · Independent referral service, not a lender
How it works
- Submit an invoice. You've delivered the work; your customer owes on net-30/60/90 terms.
- Receive an advance. The funder advances a large share of the invoice's face value upfront (the advance rate).
- Customer pays. When the invoice is paid, the funder deducts its fee and remits the remaining balance to you.
Terms — advance rate, fee, and who receives the customer's payment — vary by agreement; a REIL Capital specialist will walk through the exact structure before you commit.
Invoice financing vs factoring
| Invoice financing | Invoice factoring | |
|---|---|---|
| What happens | You borrow against invoices | You sell the invoices |
| Who collects | You — customers pay you as usual | The factor collects directly |
| Customer visibility | Usually invisible | Customers see the factor |
| Best for | Keeping customer relationships direct | Offloading collections work |
Best for
- B2B businesses with reliable, creditworthy customers on payment terms.
- Industries with long payment cycles: trucking & logistics, staffing, wholesale, manufacturing, construction subcontractors.
- Businesses growing faster than their receivables convert — new orders need cash before old ones pay.
If your revenue is card sales rather than invoices, look at revenue-based financing; for ongoing flexibility, a line of credit.
Qualification
- B2B invoices to creditworthy customers
- Large outstanding invoices — a published REIL qualification path
- 6+ months in business preferred
- 3 months of business bank statements
Invoice financing FAQ
What is invoice financing and how does it work?
Invoice financing is an advance against your unpaid B2B invoices. A funder advances most of an invoice's value upfront; when your customer pays, the funder collects, deducts its fee, and remits the remainder to you. It converts receivables you've already earned into immediate working capital.
What's the difference between invoice financing and factoring?
With invoice financing, you keep control — you borrow against invoices and your customers still pay you. With factoring, you sell the invoices and the factor collects directly from your customers. Financing keeps the relationship invisible to customers; factoring outsources collections but reveals a third party.
Who is invoice financing best for?
B2B businesses with creditworthy customers on net-30/60/90 terms — trucking and logistics, staffing, wholesale, manufacturing, contractors, and professional services. If large outstanding invoices are your main asset, this is often the cheapest fast-funding option because your customers' credit does the heavy lifting.
How fast is invoice financing?
Once set up, advances typically arrive within days of submitting an invoice. Through our funding partner REIL Capital, decisions come within 24 hours.
Can I qualify with bad credit?
Often, yes — approval leans on your customers' payment reliability more than your own credit score, since their payments repay the advance. Large outstanding invoices are one of REIL Capital's published qualification paths.
Stop waiting on net-60
Advance against invoices you've already earned · Decisions within 24 hours
See if you qualifyIndependent referral service, not a lender