Invoice Factoring for B2B Businesses

Whether you're in manufacturing, distribution, commercial cleaning, consulting, or another B2B industry, Scale Funding helps you unlock working capital with fast, flexible invoice factoring.

Get a Free Quote

Qualify for Factoring

What Is Invoice Factoring for B2B Businesses?

Scale Funding helps businesses improve cash flow by converting unpaid invoices into immediate working capital. If your company invoices other businesses on Net 30, Net 60, or Net 90 payment terms, invoice factoring can provide funding in as little as 24 hours. Businesses use factoring to cover payroll, purchase inventory, take on larger contracts, and continue growing without taking on additional debt.

Learn more about Factoring

Why Businesses Choose Invoice Factoring

Improve Cash Flow

Cover Payroll

Purchase Inventory

Grow Without Taking on More Debt

Industries We Serve

Scale Funding provides fast, flexible invoice factoring for businesses across a wide range of B2B industries.

Manufacturing Purchase materials, meet payroll, and accept larger customer orders. Learn More Wholesale & Distribution Maintain inventory and purchase products before customer payments arrive. Learn More Utility & Pipeline Contractors Keep crews and projects moving through long billing and payment cycles. Learn More Horizontal Directional Drilling Access working capital for labor, equipment, fuel, and project expenses. Learn More Printing & Fulfillment Fund production, supplies, shipping, and labor before invoices are paid. Learn More Consulting Reduce cash-flow gaps created by milestone billing and extended terms. Learn More Service Businesses Improve cash flow while serving customers with Net 30–90 payment terms. Learn More

Factoring Qualification Criteria

Is Your Business a Fit for Scale Funding?

Consistent Revenue

Ideal for businesses demonstrating steady revenue growth, indicating financial health and scalability

B2B Invoice Terms

Suitable for companies with B2B invoices on 30 to 90 days terms, seeking improved cash flow.

Established Customer Base

For those with a reliable customer base, ensuring steady invoicing and predictable cash inflows.

Organized Financial Records

Necessary for businesses that maintain precise, well-organized financial and invoicing records for quick processing.

Flexible Financial Strategy

Open to flexible financial strategies, demonstrating a proactive approach to optimizing cash flow and supporting growth.

See If You Qualify

FLEXIBLE SOLUTIONS

Factoring Can Help

How Does Invoice Factoring Work?

Once you choose a factoring company that meets your business needs, the process of factoring is simple.

When you are ready to fund, send your invoices to the factoring company.
The factoring company advances you a percentage of the invoice value.
Your customer pays the invoice to the factoring company on the agreed-upon terms.
The factoring company pays you the remaining invoice amount less a fee for the service.

How Are Factoring Rates Calculated?

Do I Have to Factor All of My Invoices?

How to Qualify for Factoring?

What Are Your Terms?

It is essential to review the terms before signing on with an invoice factoring company. As a customer, flexible terms are ideal.

Most factoring companies only offer a one-year contract agreement. At Scale Funding, we give you options. Our contracts are month-to-month, so you are not locked into a long term agreement. There is also the option of long-term contracts, which can include price breaks or flexible rates.

How Do You Get Started With Factoring?

It first begins with an agreement between a business and a factoring company. The business operates as usual, and once the work is complete, creates an invoice.

Instead of sending the invoice to its customer, the invoice is submitted to the factoring company.

The factoring company purchases the invoice and directly deposits the advance into the business’s bank account. In most cases, the advance is around 90 percent. Once the customer pays the invoice, the invoice factoring company pays the business the remaining amount of the invoice, less a fee.