INVOICE FACTORING

Turn Unpaid Invoices Into Immediate Cash Flow

About selling outstanding invoices at a discount to get immediate working capital — no new debt, no waiting 30-90 days for customer payments.

WHAT IS FACTORING

Convert Receivables Into Immediate Cash

Invoice factoring is the sale of your accounts receivable to a factoring company at a discount in exchange for immediate cash — not a loan, not debt. When your customer pays their invoice in full, the factoring company collects and your obligation is complete. Ongoing revolving facilities are available for consistent cash flow needs.

Alliance connects B2B businesses with the right factoring partner for your industry and customer base. We handle the matching, underwriting, and contract terms — you get cash in 24-48 hours on approved invoices, zero waiting for slow-paying customers.

Common Use Cases for Factoring

Eliminate Cash Flow Gaps

Slow-paying customers killing your cash flow? Factor invoices and get paid today, not in 30, 60, or 90 days.

Fund Payroll During Growth

Growing faster than your cash flow? Factor invoices to meet payroll obligations while revenue catches up.

Take On Larger Contracts

Land a big contract but lack working capital to fulfill it? Factoring bridges the gap between upfront costs and customer payment.

Avoid Dilutive Equity

Grow without selling equity stakes. Factoring is asset-based, not ownership-based — keep your company yours.

Smooth Seasonal Revenue

Seasonal invoicing swings? Factor off-season invoices to maintain consistent operational cash flow.

New Businesses

No established credit history? Credit decisions are based on your customers' creditworthiness, not your own.

Why Choose Alliance for Factoring

Cash in 24-48 Hours

Submit invoices and receive 80-90% advance immediately. The balance is paid when your customer settles.

Not a Loan = No Debt

Factoring is an asset sale, not a loan — it doesn't add leverage to your balance sheet or affect debt ratios.

Customer-Focused Underwriting

Credit decisions are based on your customers' creditworthiness, not your company's credit history or financials.

Scales Automatically

As your sales grow, your factoring capacity grows with them. More invoices = more available cash automatically.

HOW IT WORKS

Three Steps to Invoice Factoring

Submit Invoices

Submit your outstanding invoices to Alliance. We verify documentation and customer details in minutes.

Match With Factorer

We match you with the right factoring partner for your industry. We handle underwriting and provide competitive rates.

Immediate Funding

Receive 80-90% advance immediately. You get the balance minus factoring fees when your customer pays.