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 •

Compare Financing Options

See how we stack up against the competition.

Not all factoring companies are created equal, and bank loans aren't always the right fit for growing businesses. Here is a transparent look at your funding options.

	Our Solution Factoring My Invoice	Traditional Factoring	Bank Line of Credit
Approval Speed	Under 24 Hours	3 - 7 Days	30 - 90 Days
Advance Rate	Up to 90%	70% - 85%	Requires collateral
Credit Focus	Your Customer's Credit	Mixed	Your Business Credit
Long-Term Contracts	No. Month-to-month.	Yes. 1 to 2 year lock-ins.	Annual renewals
Hidden Fees	None. Flat rate pricing.	ACH, lockbox, due diligence fees	Origination & maintenance fees
Impact on Balance Sheet	No Debt Created	No Debt Created	Creates Debt

Stop settling for slow bank loans and predatory factoring contracts.

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Why it matters.

Advance Rates & Reserves

When you factor an invoice, you don't get 100% of the cash immediately. The factoring company holds a "reserve" to protect against short payments. Traditional factors often only advance 70% to 80% of your invoice value.

We advance up to 90%, meaning you have more working capital right now to cover payroll or take on new contracts.

Hidden Fees

Traditional factoring pricing is notoriously complicated. They will quote you a "1% rate" but fail to mention the setup fee, monthly minimum fees, ACH transfer fees, and invoice processing fees.

We charge a transparent flat rate. If we quote you 2%, you pay exactly 2%. No surprises.

Contracts & Control

Banks and traditional factors require you to sign 1-year or 2-year contracts. Many also require "whole ledger" factoring, meaning you MUST factor every single invoice from every customer, even if you don't need the cash.

We offer month-to-month flexibility. You choose which invoices to factor and which customers to include. You are in control.