Get paid now, not in 90 days
The work is done and invoiced; the cash just hasn’t arrived. Unlock most of each unpaid invoice up front and compare competing offers after one request, a soft credit pull that leaves your credit score untouched.
Your cash is already earned. It is just dated.
Every unpaid invoice is money you have already worked for, parked behind someone else’s payment run. Invoice financing draws against your accounts receivable instead of adding a fixed limit on top of it, so most of each qualifying invoice is released up front and the balance follows when your customer settles, less the fee.
Because the facility revolves with your sales, the funding available rises and falls with the work you invoice rather than sitting still while you grow. In practice that means the line tracks your revenue rather than needing to be renegotiated every time you take on a bigger client.
SECURED ON THE RECEIVABLES, NOT ON PROPERTYSame job. The difference is who does the chasing.
Both release the cash held up in unpaid invoices. They part company on control, on cost, and on what your customers experience.
Invoice factoring
COLLECTIONS HANDLED FOR YOU- Who chases payment
- The funding partner runs collections and credit control
- Who knows about it
- Your customers are generally aware a third party is involved
- Typical fit
- Teams without their own credit-control function
Accounts receivable financing
YOU KEEP CREDIT CONTROL- Who chases payment
- You do, exactly as you do now
- Who knows about it
- Typically kept between you and the funding partner
- Typical fit
- Businesses with their own AR process and steady payers
Not every US facility has to cover the whole ledger. Some partners work notification-style, telling your customers where to remit, others keep it non-notification and leave your AR process untouched, and spot arrangements fund single invoices as you pick them. If the squeeze is broader than the ledger, working capital and a business line of credit sit alongside it in the same request.
Advance rates, fees and contract length differ across every US funding partner. One request puts them next to each other.
Businesses that bill other businesses on terms.
The longer the terms you give, the more cash sits waiting. These are the billing patterns invoice financing was built around.
What is looked at, and what it costs to look.
Because the facility sits on what you are owed, funding partners weigh the quality of your invoices and the customers behind them, alongside your own trading history. Concentration matters: if one customer dominates your receivables, that can shape the terms you are offered, and an AR aging spread across several strong payers usually reads better than one large name.
Pick the range you are after and see what comes back. It takes about three minutes and the search behind it is soft.
Frequently asked questions
What is invoice financing?
Unlock cash tied up in unpaid invoices instead of waiting 30-90 days to get paid. Through Capvant you compare invoice financing offers from multiple funding partners in one place, then choose what works for your business.
How much can I borrow?
Amounts depend on your trading history, revenue and the offers our partners make. Many businesses access $5,000 to $500,000 and beyond.
Will checking my options affect my credit score?
No. Seeing your options through Capvant is a soft credit pull, so it leaves no mark on your credit report. A lender only runs a full credit check if you decide to accept an offer.
Is Capvant a lender?
No. Capvant is a funding marketplace, we match you with funding partners and you choose the offer that suits you. Funding decisions, rates and terms are set by the lender, subject to approval.
How fast can I get funded?
Once you accept an offer, many businesses receive funds within a few business days, some products fund same day.
Will my customers know I am using a facility?
It depends on the structure. With factoring the funding partner usually manages collections, so your customers are generally aware a third party is involved. Where you keep your own collections in-house, the arrangement is typically kept between you and the funding partner.
When is invoice financing a poor fit?
If your customers already pay quickly, if you sell mainly to consumers for immediate payment, or if you have a genuine one-off need rather than a recurring stream of invoices. A line of credit or a working capital option usually serves you better in those cases.
Stop waiting on the payment run.
One request puts your ledger in front of a network of funding partners. Comparing what comes back costs nothing and leaves your credit score exactly where it is.
No obligation. Checking your offers won’t affect your credit score.
Disclaimers & footnotes
- 1Capvant is a funding marketplace, not a lender. We match business owners with third-party funding partners; we do not make credit decisions, lend money, or set rates or terms. All funding decisions, rates, terms and approvals are made solely by the lenders in our network, subject to their criteria.
- 2Checking your options through Capvant does not affect your credit score. A lender may carry out a soft or hard credit search depending on the product, stage and your consent. A full hard credit check is only carried out where required by a lender before you proceed.
- 3Funding speed, including any reference to funding in as little as 24 hours, is typical for some products and lenders and is not guaranteed. Actual timescales depend on the lender, the product, and how quickly requested information and documents are provided.
- 4Funding amounts and ranges are indicative only and vary with your business profile, trading history, the lender and the market. Figures shown are not an offer of finance and do not guarantee any particular amount, rate or approval.
- 5Any offers, rates or repayment figures shown in illustrations or examples are for demonstration only and are not real quotes. Your actual offers, if any, are provided by lenders and are subject to approval.
- 6Product availability varies by market. Some products are only available in certain countries. Capvant currently serves businesses in the United States and the United Kingdom.
Capvant is not a lender and does not make credit decisions, we introduce businesses to third-party funding providers. Capvant is not authorized or regulated by the Financial Conduct Authority (FCA).
Capvant does not compare every lender, broker, funding product or offer available in the market. We only show options from funding partners in our network that may be relevant based on the information you provide.
Capvant may receive compensation from lenders, brokers, funding partners or referral partners when a customer is introduced, approved, funded or takes another qualifying action. This compensation does not guarantee that any lender will approve an application or offer specific terms. Capvant does not charge business owners a fee to compare funding options unless clearly stated otherwise.
If you access Capvant through a partner, introducer or embedded funding page, that partner may receive a referral fee or commission if your request results in funding. This does not increase your cost unless expressly disclosed.
Capvant is intended for business-purpose funding only. Eligibility may depend on entity type, location, trading history, revenue, industry and lender criteria. In the UK, Capvant currently focuses on limited companies, LLPs and plcs, and does not currently support sole traders or ordinary partnerships.
Information on Capvant is general information only and is not financial, legal, tax or accounting advice. You should consider whether funding is suitable for your business and seek professional advice where appropriate.
Calculators, eligibility checkers and funding-readiness tools are estimates only. They are based on limited information and assumptions, and do not represent a credit decision, quote, approval or recommendation.
Company information may be sourced from public registers such as Secretary of State business filings, or from information you provide. Public register data may be incomplete, delayed or inaccurate and should not be treated as a full credit assessment.
The Business Credit Score by Capvant is an independent statistical assessment based on public register data. It is not provided by a credit reference agency and may differ from scores used by individual lenders.
By submitting an application or funding request, you authorise Capvant to share relevant business, owner, request and document information with funding partners, service providers and introducers where necessary to process your request, subject to our Privacy Policy.
Some US commercial financing offers may be subject to state-specific disclosure requirements. Where required, additional disclosures will be provided and must be accepted before a transaction is finalised.