Business Line of Credit
Revolving working capital, draw only what you need.
Learn moreUS lead product · Working capital
Invoice Factoring
Sell unpaid B2B invoices for immediate cash.
$10k – $10M30 – 90 days per invoice48 hours to set up, then same-day advances
- Advance rates 80–95% of invoice face
- Recourse and non-recourse structures
- Credit-underwritten on the payer, not the merchant
What is invoice factoring?
Invoice factoring turns unpaid B2B invoices into immediate cash. Because the factor underwrites the merchant's customer (the payer) rather than the merchant, it works for businesses with weak balance sheets but strong customers.
Once a facility is placed it typically runs for years, generating recurring commission and referral opportunities for the broker.
Product mechanics
Key numbers your BDO team should know before the first call.
- Loan range
- $10k – $10M
- Typical term
- 30 – 90 days per invoice
- Indicative rates
- 1% – 5% per 30 days (indicative)
- Funding speed
- 48 hours to set up, then same-day advances
- Typical borrower
- B2B service and product businesses with slow-paying commercial customers.
- Why brokers want these
- Recurring, high-lifetime-value relationships once a facility is placed.
Common use cases
- Staffing and payroll companies with 30–60 day pay cycles
- Manufacturers selling to big-box retailers on NET terms
- Trucking companies waiting on freight broker payment
- Wholesalers and distributors financing growth
Typical borrower qualifications
- B2B invoices to creditworthy commercial or government payers
- $10k+ monthly invoicing
- No blanket UCC lien from another lender
Why brokers buy from us
Why working capital brokers buy invoice factoring leads from us
What makes this feed different from generic aggregator flow.
Payer names and concentration disclosed before you spend on payer credit checks
UCC / existing-lender status captured to flag payoff-and-play files
Industry filters honored, staffing-only or trucking-only factors get relevant flow
Compare
How invoice factoring compares to adjacent products
Help your team route enquiries to the right product on day one.
vs Accounts Receivable Financing
A/R financing is a revolving line with the merchant collecting; factoring is a sale with the factor collecting (notification).
View Accounts Receivable Financingvs Purchase Order Financing
PO finance funds cost of goods before invoice exists; factoring turns the resulting invoice into cash.
View Purchase Order Financingvs Merchant Cash Advance
MCA is card-revenue flex; factoring is receivable-purchase, cheaper for B2B merchants with strong payers.
View Merchant Cash AdvanceOur lead generation process
How we generate invoice factoring leads
Every enquiry is captured, consented and vetted before it reaches your CRM.
Source channels
- SEO for industry-specific factoring queries (staffing factoring, trucking factoring, government contractor factoring)
- Google Search Ads on 'invoice factoring' and 'A/R funding' intent
- Freight broker and staffing industry publication partnerships
- Referrals from MCA/LOC borrowers whose real problem is receivables timing
Data captured on each lead
- Monthly invoicing volume and average invoice size
- Top-3 customers / payers (names) and any concentration risk
- Standard payment terms (NET 30 / 45 / 60 / 90)
- Existing lender and UCC status (blanket lien check)
- Industry NAICS, entity type and state
Vetting workflow
- UCC search flag when borrower discloses existing bank facility
- Payer concentration check (single-payer >50% flagged)
- Industry match to factor's book (staffing, trucking, government, manufacturing)
- TCPA + CAN-SPAM consent with IP, timestamp, source URL
What a lead looks like
Verified enquiry
$10k · Invoice Factoring
LLC · US-based · phone-verified decision-maker · TCPA consent on file
- Monthly invoicing volume and average invoice size
- ✓
- Top-3 customers / payers (names) and any concentration risk
- ✓
- Standard payment terms (NET 30 / 45 / 60 / 90)
- ✓
- Existing lender and UCC status (blanket lien check)
- ✓
Who this suits & how we qualify
Best fit for
Factoring companies, asset-based lenders, and specialty finance brokers.
Qualification standard
- UCC search flag when borrower discloses existing bank facility
- Payer concentration check (single-payer >50% flagged)
- Industry match to factor's book (staffing, trucking, government, manufacturing)
Turnaround
Fresh, consent-captured enquiries delivered to your CRM inside your agreed response window.
Broker FAQs
Common questions from buyers of invoice factoring leads.
Related products
Other working capital lead flows we supply.
Merchant Cash Advance
Advance against future card sales, flexible repayments.
Learn moreAlternative Financing
Short-term & unsecured term loans outside traditional bank underwriting.
Learn moreReady for vetted Invoice Factoring enquiries?
Tell us your credit box and volume, we'll come back within one business day.