Tired of waiting months for customers to pay? Invoice factoring gets you paid fast by turning your unpaid invoices into immediate cash.
Perfect for B2B companies that need quick capital but struggle with traditional bank loans, invoice factoring helps you:
Don’t let slow-paying customers hold your business back. Turn your invoices into instant working capital.
Need quick cash flow for your business? Invoice factoring could be your answer.
At Innovative Commercial Capital, we offer two types of factoring solutions designed to get you paid faster:
You stay responsible if customers don’t pay their invoices. Since we share the risk with you, you’ll enjoy:
We take on the risk if customers default on payments. You’re protected, but expect:
Which option fits your business? Our team evaluates your unique situation to recommend the perfect financing solution. Let’s find what works best for you.
Don’t see yours listed? Get in touch—we likely work with your sector. If not, we’ll connect you with a trusted partner who does.
Most factoring companies charge between 1% and 5% of the invoice value. The exact rate depends on the size and frequency of your invoices, your industry, your clients’ payment history, and whether you choose recourse or non-recourse factoring.
Once your account is set up with Innovative Commercial Capital, you can typically receive advances within 24 hours of submitting a qualifying invoice.
No. Innovative Commercial Capital offers flexible factoring programs that let you choose which invoices you want to factor. This gives you the freedom to use factoring only when it’s necessary.
Yes, because they’ll submit payment directly to us. However, we always handle communications professionally and discreetly, making sure your customer relationships are protected.
They’re similar but not identical. With factoring, we purchase your invoice and take responsibility for collecting payment. With financing, your invoices are used as collateral for a loan, but you’re still responsible for collections. Factoring tends to be simpler and more hands-off for business owners.
While factoring itself doesn’t impact your credit, improved cash flow can help you pay vendors and debts on time, which strengthens your credit profile over time.
Some factoring companies require a monthly minimum volume. At Innovative Commercial Capital, we offer flexible programs that are designed to meet you where you are. No high-pressure contracts or surprise volume fees.
Yes. We offer both types of factoring depending on your needs and risk tolerance. If you’re not sure which is best, we’ll help you evaluate based on your customer base and financial goals.
