Asset-Based Revolving Capital
Accounts Receivable Loans: Credit Lines Backed by Your Ledger.
Revolving borrowing capacity secured by your commercial accounts receivable ledger, allowing you to access working capital while preserving direct billing relationships.
Product Overview
What is A/R Financing?
Accounts Receivable Financing (A/R Loans) allows a commercial business to borrow capital against the verified value of its outstanding corporate sales ledger. It functions much like a secured line of credit that expands as your invoicing volume grows.
Your company submits an updated A/R aging report. The lender establishes a borrowing base (typically 70% to 85% of qualifying non-delinquent invoices). As clients pay into a designated lockbox or account, credit availability resets.
Common Operating Uses
How Businesses Deploy A/R Financing
- Fulfilling large corporate orders requiring upfront materials and labor
- Smoothing cyclical payroll needs for consulting, engineering, and staffing firms
- Providing working capital while granting Net-30 or Net-60 terms to corporate accounts
Suitability & Criteria
Is A/R Financing Right for Your Business?
We believe in honest qualification. Understanding when a facility is a strong operational fit protects your margins and saves you time.
Recommended Fit
- B2B and B2G businesses with verified creditworthy corporate or government debtors
- Companies issuing clean invoices with standard payment terms (Net 30 to Net 90)
- Firms desiring non-notification financing where customers are not contacted by lenders
May Be Less Suitable If
- B2C retail businesses with point-of-sale consumer payments and no invoicing
- Companies with heavy progress billings or disputed deliverable milestones
Intake Preparation
Information Typically Requested
Our initial intake takes less than two minutes. When your file advances to underwriter packaging, having the following records ready accelerates your review:
Privacy & Security
Your Contact Info Stays Protected
Unlike mass loan portals that sell borrower contact records as lead lists, QFBC maintains strict server-side safeguards. Under no circumstances are client phone numbers or email addresses shared with third-party funding sources without explicit, logged human authorization.
Frequently Asked Questions
Questions About A/R Financing
Will my customers know I have an A/R loan?
Generally no. A/R loans are commonly structured as non-notification facilities where your clients continue remitting payments directly as usual.
How does this differ from invoice factoring?
In factoring, you sell the invoice directly and the factor may manage collections. In an A/R loan, you borrow against the entire ledger while managing your own collections.
Let’s talk business
Find a path forward for your business.
Share your goals. We’ll help you understand potential options through our funding network.
