Invoice Factoring & AR Financing in California
Turn unpaid B2B invoices into working capital in 24–48 hours. Advance 80–95% of your receivables. 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 90–95% of freight bills in 24 hours. 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 24–48 hours — 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 hit your bank in 24–48 hours. Freight invoices often fund same day.
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. Most files get an offer within 24–48 hours.