AFO · Debt
Invoice Factoring & AR Finance
Immediate cash against outstanding receivables. Suits B2B businesses with long DSO.
Program status and primary actions
Live — self-serve apply availableStart applicationTry the screenerQuick facts.
- Size range
- $50,000 — Scales with assets
- Cost / pricing
- 1–4% per invoice depending on customer credit and invoice age. Recourse vs non-recourse pricing varies.
- Typical speed to close
- Days to weeks
- Capital type
- Asset-based debt
Eligibility
Who this program is for.
B2B business with creditworthy customers, $50K+/month in eligible AR, and a collection cycle long enough to feel the cash gap (staffing, transportation, manufacturing, distribution).
Use of proceeds
What this capital can fund.
Outside these categories the program either isn’t a fit or requires a non-standard structuring conversation. The screener cross-references your specific use of proceeds against the full catalog before recommending an instrument.
What Capital Toolkit does
CPA-led engagement, not lead generation.
Whether the answer is Invoice Factoring & AR Financeor something else in the catalog, the engagement starts the same way: a CPA reviews the use of proceeds, the balance sheet, and the projections to confirm the right structure. Only then do we build the package and approach providers. The catalog page's screener exists to triage cleanly; this page exists so you can read the program in detail before that conversation.
If Invoice Factoring & AR Financeis the right fit, you’ll get a normalized financial package, a coverage or eligibility analysis appropriate to the program category, and provider / program outreach handled by a CPA with the engagement still under one roof.
Sources & verification.
- Program details (external)
- Open program page (opens in a new tab)
- Catalog entry last verified
Program criteria, rates, and ceilings change. Capital Toolkit verifies the catalog entry against the provider periodically, but the linked program page is always the authoritative source at the point of application.
Where this program shows up
The hubs that feature Invoice Factoring & AR Finance.
This program is curated into the hubs below — industry verticals where it’s a typical fit, business stages where it’s the right answer, and funding stacks where it combines with others.
Featured at stages
Head-to-head
Compare Invoice Factoring & AR Finance against another option.
The comparisons below answer the “should I do this or that?” question with a side-by-side matrix plus the scenarios where each option wins.
vs.
ABL Revolver (Asset-Based Lending)
Revolving line tied to eligible receivables and inventory. Scales with the business.
Open the comparison
Related programs in the same family
Also in Debt.
CSBFP — Canada Small Business Financing Program
Government-backed term loan for equipment, leasehold, and real property. Up to $1.15M.
Status: Live
Conventional Senior Term Loan or Revolver
Cash-flow-underwritten facility from a chartered bank, credit union, or Schedule II lender.
Status: Live
ABL Revolver (Asset-Based Lending)
Revolving line tied to eligible receivables and inventory. Scales with the business.
Status: Coming soon
Equipment Finance / Leasing
Equipment-specific term loan or lease at 75–90% LTV on the equipment.
Status: Live
See every option side by side.
The full catalog groups debt, grants, equity, and alternative structures by family so you can compare like with like before booking a conversation.