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Stop waiting. Start growing. Convert outstanding invoices into immediate cash instead of waiting 30, 60, or 90 days.
Accounts receivable factoring bridges the gap between sending an invoice and receiving payment. Instead of waiting 30, 60, or 90 days for your customers to pay, you can convert those outstanding invoices into immediate working capital.
Factoring is not a loan — it's an advance on money that's already owed to you. This makes it an ideal solution for businesses with strong receivables but tight cash flow. There's no debt added to your balance sheet, and qualification is based primarily on the creditworthiness of your customers, not your own credit.
Our factoring partners offer competitive advance rates and transparent fee structures. Funding is typically available within 24-48 hours of invoice submission, and many clients set up ongoing facilities for continuous cash flow management.
Stop waiting 30-90 days for payment. Convert invoices to cash within 24-48 hours and reinvest in growth immediately.
Factoring is an advance on earned revenue, not a loan. Your balance sheet stays clean, which can actually improve future borrowing capacity.
The more you invoice, the more capital you can access. Factoring grows automatically with your business — no need to renegotiate or reapply.
Explore costs across different funding products. Adjust the sliders or pick a scenario below.
Factor rate varies by term length and business profile.
Est. Monthly Payment
$11,042
Total Repayment
$132,500
Cost of Capital
$32,500
Factor Rate
1.32x
Effective Ann. Rate
32.5%
This calculator provides estimates for illustrative purposes only. Actual rates, terms, and eligibility depend on your business profile, credit history, and lender underwriting. Apply to receive a real offer.
See why 10,000+ businesses chose Creative over traditional financing.
Don't have all of these? Apply anyway — our team will work with you to find a path forward.
“AR factoring through Creative Capital solved our 90-day payment gap overnight. We went from waiting months for receivables to having immediate working capital. Our growth rate doubled in the first quarter after partnering with them.”
Robert Kim
President, Pacific Coast Imports
Apply in 5 minutes. No credit impact. A funding advisor will be in touch within the hour.
Takes 5 minutes. No credit impact. No obligation.