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Invoice Factoring is a financing method that lets businesses sell their unpaid invoices to a factoring company for quick cash. Instead of waiting weeks or months for customers to pay, you receive most of the invoice value upfront, improving cash flow and keeping your business running. When your customer pays the invoice, you receive the remaining balance minus a small factoring fee.
What makes Invoice Factoring different from a loan is that it isn’t debt. You’re not borrowing against your future, you’re simply advancing money you’ve already earned. That’s why factoring doesn’t add debt to your balance sheet, and why approval depends more on your customers’ ability to pay than on your own credit score. For businesses waiting on slow-paying clients, Committed to Capital uses factoring to unlock cash that’s otherwise stuck in accounts receivable.
Because factoring converts completed work into immediate working capital, it’s built for businesses that invoice other businesses. Invoice Factoring lets you:
This makes Invoice Factoring one of the most practical tools for smoothing out the gap between doing the work and getting paid.
Invoice Factoring follows a fast, receivables-focused path from invoice to cash. Rather than underwriting you on credit and collateral like a loan, the factoring company looks primarily at the creditworthiness of your customers, since they’re the ones who ultimately pay the invoice.
The process starts when you submit the invoices you want to convert to cash. Committed to Capital reviews the invoices and the clients behind them, then advances you a large percentage of the invoice value upfront, commonly in the range of 80% to 95%, often within one to two business days. The exact advance rate depends on your industry and your clients’ payment history.
Your customer then pays the invoice on their normal timeline, directly to the factoring company. Once the invoice is paid in full, you receive the remaining balance, minus a small factoring fee. You get the bulk of your money right away instead of waiting the full term, and you’re freed from chasing the payment yourself.
For example, if you factor a $50,000 invoice at a 90% advance rate, you’d receive $45,000 almost immediately. When your client pays, you’d get the remaining $5,000 minus the agreed fee, weeks ahead of when the invoice would otherwise have paid out. In short, Invoice Factoring turns your accounts receivable into immediate working capital, and Committed to Capital helps you structure it so the advance rate and terms fit your business.
Factoring is all about speed and freeing up cash you’ve already earned, and that’s exactly where Committed to Capital is built to help. Instead of putting your business through loan-style underwriting, we match you with factoring based on your receivables and your clients.
Clients Satisfaction
A non-loan solution that preserves your balance sheet, because you're advancing money you've already earned.
Receive funds in as little as 1 to 2 days, turning unpaid invoices into working capital almost immediately.
Spend your time growing your business instead of chasing payments, because collections are handled for you.
With recourse factoring, your business remains responsible if a customer fails to pay the invoice. Because you carry that risk, recourse factoring typically comes with lower fees and higher advance rates. It’s the most common and cost-effective option for businesses with reliable, creditworthy clients.
With non-recourse factoring, the factoring company absorbs the loss if a customer can’t pay due to insolvency. That added protection usually comes with slightly higher fees. It suits businesses that want to offload the risk of customer non-payment.
Invoice Factoring is one of the most practical tools for B2B businesses bridging the gap between doing the work and getting paid. Here are the most popular ways owners put it to work:
Turn outstanding invoices into cash so your team is always paid on time, even when client payments lag.
Accept larger jobs that require fronting costs, without a cash flow crunch before you get paid.
Cover net-30, net-60, and net-90 gaps so long payment cycles don't starve your operations.
Scale on the strength of your receivables, accessing more cash as you invoice more.
Smooth out the peaks and valleys when invoices bunch up or slow down seasonally.
Free up cash to purchase materials for your next job or sales cycle.
Hand the work of collecting payment to the factoring company and free up your team.
Access working capital now instead of waiting weeks on outstanding invoices.
Send Committed to Capital the outstanding invoices you'd like to factor, and we review them and the clients behind them.
We advance a large percentage of the invoice value, often within 1 to 2 business days, so you have cash in hand right away.
Your customer pays the invoice on their normal schedule, and once it's paid you receive the remaining balance minus a small fee.
Committed to Capital provides Invoice Factoring to a wide range of industries across the United States, including:
If your industry isn’t listed, contact us. We work with virtually every legitimate small business sector that invoices other businesses.
Not every applicant fits every program, but because Committed to Capital focuses on your clients’ creditworthiness rather than your own, we can often approve Invoice Factoring even for businesses that banks have declined.
Invoice factoring is a financing method where a business sells its unpaid invoices for immediate cash, receiving most of the invoice value upfront and the remainder (minus a small fee) once the customer pays. It isn’t a loan, so it doesn’t add debt to your balance sheet. Committed to Capital offers it to help B2B businesses turn slow-paying invoices into working capital.
A loan is debt you borrow and repay with interest, and approval depends on your own credit. Invoice factoring isn’t debt, you’re advancing money you’ve already earned, and approval is based mainly on your customers’ creditworthiness. That makes factoring through Committed to Capital more accessible for newer businesses or those with weaker personal credit.
Advance rates commonly range from about 80% to 95% of the invoice value, depending on your industry and your clients’ payment history. Committed to Capital advances that amount quickly, then releases the remaining balance minus a small factoring fee once your customer pays the invoice.
With Committed to Capital, factoring can put cash in your account in as little as 1 to 2 business days after your invoices are approved. Because approval centers on your invoices and clients rather than lengthy credit underwriting, the process is fast and the paperwork is light.
With recourse factoring, your business is responsible if a customer doesn’t pay, which usually means lower fees and higher advances. With non-recourse factoring, the factoring company absorbs the loss if a customer becomes insolvent, which typically carries higher fees. Committed to Capital helps you choose the structure that fits your clients and risk tolerance.
In most factoring arrangements, the factoring company collects payment directly from your customers, so they’ll typically be aware. Committed to Capital handles this professionally to protect your client relationships, and can discuss options if discretion is a priority for your business.
