California small business funding
Invoice Factoring & AR Financing in California
Turn unpaid B2B invoices into working capital in as little as 2 days. Advance 80–95% of your receivables. $500K+ annual sales, no FICO minimum on most programs. Fresno-based, California-first.
No hard credit pull. No obligation. 5-minute application.
Who we factor for
Every California B2B business waiting to get paid.
If you invoice creditworthy commercial customers on Net-15 to Net-90 terms, you likely qualify.
Trucking & Freight
Advance up to 95% of freight bills, funded in as little as 2 days. Fuel-card and quick-pay programs for CA carriers.
Learn moreStaffing Agencies
Payroll funding against unpaid client invoices. Cover weekly payroll without waiting Net-30 to Net-60.
Learn moreConstruction & Subcontractors
Progress-billing and pay-when-paid factoring for CA subs, GCs, and specialty trades.
Learn moreMedical & Healthcare
Medical receivables factoring against Medicare, Medi-Cal, and commercial payer AR.
Learn moreManufacturing & Wholesale
Advance PO- and invoice-backed receivables so you can fund the next production cycle.
Learn moreProfessional Services & B2B
IT, consulting, janitorial, security, marketing — any business invoicing other businesses on terms.
Learn moreHow it works
Cash in as little as 2 days — not 30 to 90 days.
1. Deliver your product or service
You invoice your commercial customer on your normal terms (Net-15 through Net-90).
2. Submit invoices to the factor
Upload the invoices you want funded. Approval is based on your customer's credit, not yours.
3. Get 80–95% advanced
Funds can hit your bank in as little as 2 days.
4. Customer pays the factor
When your customer pays, you receive the reserve balance minus the factoring fee (typically 1–4%).
Turn your unpaid invoices into cash this week.
5-minute application. No hard credit pull. No obligation.
Why California businesses factor with us
A California advisor. A network of specialized factors.
- No FICO minimum on most programs. Underwriting is based on your customer's credit, not yours.
- Industry-specialized factors. Trucking, staffing, construction, medical, and manufacturing each have specialist factors with better rates and terms than generalists.
- Non-recourse options available. Protect against customer non-payment on qualifying invoices.
- Fund single invoices or full ledger. Spot factoring or ongoing programs — we structure to fit your cash flow.
- No upfront fees. We get paid by the factor. If you don't fund, you don't pay.
Serving B2B businesses across California
Statewide coverage.
Ready to unlock the cash in your AR?
5-minute application. No hard credit pull. Paperwork: signed application, 4 months of bank statements, aging A/R & A/P report, and active customer list.