Is non-notification the default?

Non-notification vs notification is a borrower preference, captured and delivered on the lead so you know which structure to lead with.

What A/R aging quality do you filter to?

By default we deliver files with <20% over 90 days. You can tighten to <10% if your box requires it.

Is payer concentration captured?

Yes, top-5 customer concentration is asked and disclosed so you can flag single-payer risk before the discovery call.

Do you take enquiries below $1M annual revenue?

Rarely, sub-$1M revenue files usually fit factoring better and are routed there instead.

How does this differ from a bank line?

Bank LOCs underwrite the borrower's balance sheet; A/R financing is collateral-based with higher advance rates and faster growth capacity.

US lead product · Working capital

Accounts Receivable Financing

Borrow against unpaid invoices without selling them.

$50k – $10M12 months revolving2 – 4 weeks to underwrite

Join the waiting list for Accounts Receivable Financing All US products

Non-notification structures available
Advance rates 80–90% of eligible A/R
Scales as the business grows

What is accounts receivable financing?

A/R financing is a revolving line of credit secured by the borrower's accounts receivable, the invoices remain the merchant's to collect. It's a middle ground between a bank line of credit and full factoring.

It suits businesses that have outgrown MCA/short-term products but aren't yet bankable, and buyers of these leads win larger, longer relationships.

Product mechanics

Key numbers your BDO team should know before the first call.

Loan range: $50k – $10M
Typical term: 12 months revolving
Indicative rates: SOFR + 2% – 8% (indicative)
Funding speed: 2 – 4 weeks to underwrite
Typical borrower: Growing B2B businesses that want liquidity without disclosing a factor to customers.
Why brokers want these: Larger tickets and stickier relationships than a term loan.

Common use cases

Scale-up B2B companies transitioning off short-term debt
Manufacturers with lumpy receivable balances
Businesses funding rapid growth without equity dilution

Typical borrower qualifications

2+ years TIB
$1M+ annual revenue
Clean A/R aging (<20% over 90 days)

Why brokers buy from us

Why working capital brokers buy accounts receivable financing leads from us

What makes this feed different from generic aggregator flow.

A/R aging quality captured up front, you can skip files with >20% over-90 exposure

Non-notification preference captured, so factor-shy borrowers reach the right lender

Consent, source URL and timestamp captured for audit-ready compliance

Compare

How accounts receivable financing compares to adjacent products

Help your team route enquiries to the right product on day one.

vs Invoice Factoring

Factoring is a sale of invoices with notification; A/R financing is a loan against invoices with the merchant collecting silently.

View Invoice Factoring

vs Business Line of Credit

LOC is cash-flow underwritten and unsecured; A/R financing is collateral-based with higher advance rates.

View Business Line of Credit

vs Accounts Receivable + Inventory ABL

Larger facilities blend A/R and inventory collateral for combined $5M+ lines.

Our lead generation process

How we generate accounts receivable financing leads

Every enquiry is captured, consented and vetted before it reaches your CRM.

Source channels

SEO for 'A/R line of credit' and 'non-notification factoring' comparison content
Referrals from MCA/short-term borrowers ready to graduate to bankable structures
CPA partner referrals from mid-market accounting firms
LinkedIn campaigns targeted to CFOs of $5M–$50M B2B firms

Data captured on each lead

Requested facility size
Trailing 12-month revenue and current A/R balance
A/R aging summary (current / 30 / 60 / 90+)
Payer concentration (top-5 as % of A/R)
Existing lender / UCC status

Vetting workflow

2-year TIB and $1M annual revenue gate
A/R aging quality check (>20% 90+ flagged)
UCC status and existing bank facility disclosure
TCPA + CAN-SPAM consent

What a lead looks like

Verified enquiry

$50k · Accounts Receivable Financing

LLC · US-based · phone-verified decision-maker · TCPA consent on file

Requested facility size: ✓
Trailing 12-month revenue and current A/R balance: ✓
A/R aging summary (current / 30 / 60 / 90+): ✓
Payer concentration (top-5 as % of A/R): ✓

Who this suits & how we qualify

Best fit for

ABL lenders, non-bank commercial finance, and specialty banks.

Qualification standard

2-year TIB and $1M annual revenue gate
A/R aging quality check (>20% 90+ flagged)
UCC status and existing bank facility disclosure

Turnaround

Fresh, consent-captured enquiries delivered to your CRM inside your agreed response window.

Broker FAQs

Common questions from buyers of accounts receivable financing leads.

Ready for vetted Accounts Receivable Financing enquiries?

Tell us your credit box and volume, we'll come back within one business day.

Join the waiting list Book a call