California small business funding
Invoice & Accounts Receivable Factoring for California B2B Businesses
Invoice factoring converts your outstanding B2B invoices into cash today. The factoring company advances a percentage of each invoice and collects from your customer directly. Your customer's credit matters more than yours — there's no FICO minimum on most programs.
Amount
$100,000+ in receivables aged up to 90 days
Term
As long as you want to leverage receivables
Speed
Funding in 2–5 business days
Best for
Who this product fits
- B2B businesses with net-30, net-60, or net-90 terms
- Staffing, transportation, manufacturing, and wholesale
- Owners with credit issues whose customers have strong credit
Use of funds
What businesses use it for
- Covering payroll while waiting on customer payments
- Funding the next job before the last one pays
- Releasing cash tied up in 60- or 90-day terms
- Scaling without taking on traditional debt
Qualifications
General requirements
- B2B business model (you invoice other businesses)
- $100,000+ in receivables aged up to 90 days
- Customers with reasonable credit
- No personal FICO minimum on most programs
Specific qualifications vary by lender and program. The numbers above reflect the most common bars for this product in our network — they are not a guarantee of approval or specific terms.
Ready to see what you qualify for?
No credit pull. No obligation. A few minutes to see real options.
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