What Is Accounts Receivable Financing?

Accounts receivable financing is a form of business finance where a company sells their open invoices to a factoring company in exchange for an immediate cash advance. It’s a common form of financing businesses use to improve cash flow and eliminate the wait for payments from customers.

Scale Funding is a top choice among receivable financing companies. We offer month-to-month financing programs ranging from $50,000 to $7 million. With the cash accounts, receivable financing provides, companies can meet payroll, manage expenses, and grow the business.

The Benefits of Accounts Receivable Financing

• Customized Financing to Fit Your Company Needs
• Fast Quote and Application Process
• Immediate Cash Advances
• Financing that Grows as Your Company Grows
• No Additional Debt is Created

How does Accounts Receivable Financing Work?

1. Perform your work or service as normal.
2. Send your invoices to your factoring company.
3. The factoring company initiates a same-day advance on a percentage of your invoice total, directly into your bank account.
4. The factoring company sends your invoice to your customer and follows up to make sure payment is received.
5. When your customer pays us on their terms, the remaining balance of the invoice is paid to you, minus a small fee.

Get a Factoring Quote in 15 Minutes

Choosing the Right Receivable Financing Company

Each accounts receivable financing company offers cash. What sets Scale Funding apart from the rest is our knowledge, experience, and dedication to our customers.

Scale Funding works with clients across many industries, often with completely different billing requirements. We’re familiar with the work our clients perform, and our services meet the unique needs and situations of each and every client.

With Scale Funding:

• Programs are customized to your needs;
• Financing is contingent on your customers’ credit and payment history, not your own;
• There are no long-term contracts,
• Lines are determined on your sales volume, not your company’s value; and
• Programs can be used by companies in challenging financial situations.

Reliable cash flow and professional customer service are at the core of every financing program Scale Funding offers.

These essential services are our promise to you:

• Dedicated Relationship Manager
• Same-Day Funding on Invoices
• Electronic & EDI Invoicing Capability
• 24/7 Online Reporting

Additional Accounts Receivable Financing Services

Businesses of all types and sizes rely on accounts receivable financing because it provides the cash they need to operate. Scale Funding also offers a number of free, value-added services that enhance our clients’ operations.

• Credit Analysis and Risk Assessment: You have a prospective customer, but do they pay their bills? Scale Funding offers credit histories and payment trends of potential customers, enabling our clients to take on new customers with confidence.
• Treasury Services & Online Reporting: Cash when you need it is critical. Scale Funding funds clients via ACH deposit, wire transactions, and will fund to third-party accounts by a directive. We also offer online reporting to keep you informed of all transactions.
• AR Management Expertise: Running a business isn’t an easy task. Clients stay focused on the task when Scale Funding handles the late invoice situations. Expertise, resolve, and diplomacy are trademarks of the Scale Funding AR Management Department.
• Fuel Cards & Discounts: Scale Funding clients can take advantage of fuel cards and discounts, potentially saving thousands of dollars a year.

These services from Scale Funding are part of the foundation of our clients’ success. Delivering top-quality service and supporting clients in their work is a Scale Funding value.

Setup is as Easy as 1-2-3

Step 1 – Get a Quote

Contact Scale Funding about our accounts receivable financing programs. We’ll discuss your cash situation and needs, and offer a no-obligation quote for a financing line. Our simple and straightforward underwriting guidelines allow most customers to receive written quotes in as little as 15 minutes. All quotes are customized for the specific needs of each client. We’ll work to make certain the line meets your requirements.

Step 2 – Submit Invoices and Related Documents

Once a financing line is agreed upon, we’ll schedule your first funding. We can accommodate most schedules and offer an expedited service for those in need of immediate cash. During the setup process, we’ll walk you through the agreement and discuss your invoices and any related materials.

Step 3 – Get Cash for Your Invoices

When the setup process is quickly completed, we fund you via ACH direct deposit or do a wire transfer into your bank account. From this point forward, each time we receive your invoices, we’ll process and fund you the same day the invoices are received.

Who Uses Accounts Receivable Financing?

Since 1994, Scale Funding has provided accounts receivable financing to a variety of industries to assist with cash-flow needs. Our financing lines range from $50,000 to $20 million, allowing companies in almost any industry to get access to the working capital they need to maintain and grow their business.

Some of the common industries we work with include:

• Oilfield Services
• Trucking & Freight
• Staffing Agencies
• Telecom & Wireless
• Utility & Pipeline
• Heavy Construction
• Technology
• Renewable Energy
• Government Contractors