AI INSIGHT: Avg factoring rate today is 2.50% - 3.00% • TRENDING: Trucking freight volume up 4% this month • LIVE RATE: Prime Rate holding steady at 8.50% • AI ALERT: Approval times currently averaging < 18 hours • MARKET: 78% of staffing firms reporting 60+ day payment delays • GET YOUR FREE AI QUOTE •

Who We Are

Rewriting the rules of commercial finance.

We believe growing businesses shouldn't be penalized by 60-day payment terms. We're building the infrastructure to make working capital instant, transparent, and fair.

$1.2B+

Invoices Funded

24h

Average Funding Time

4,500+

B2B Clients

Hidden Fees

"We built the financial platform we wished we had when we started our first B2B company."

Our Origin Story

Built by founders who felt the cash flow crunch.

Factoring My Invoice was born out of profound frustration. In 2018, our founders were running a rapidly growing logistics company. They were landing massive contracts with Fortune 500 companies, but those corporate giants demanded Net-60 or Net-90 payment terms.

The business was profitable on paper, but completely starved of cash. When they sought solutions, traditional bank loans took months and required heavy collateral. Legacy factoring companies offered confusing, multi-page contracts filled with hidden lockbox fees, minimum volume penalties, and predatory interest rates.

We realized that the B2B lending industry was fundamentally broken. We sold that company and set out to build a modern, tech-enabled financial partner. One that relies on AI to underwrite invoices instantly, and operates with radical, flat-fee transparency.

The Factoring My Invoice Difference

Technology driven. Ethically grounded.

AI-Powered Underwriting

We don't make you wait weeks for human underwriters. Our proprietary AI analyzes your customer's credit profile and your invoice history to approve funding in minutes.

Radical Transparency

One flat fee. That's it. We eliminated the 14 different hidden fees that legacy factors charge. If you don't understand our pricing in 60 seconds, we've failed.