Receivables Liquidity Facility
Invoice Factoring: Immediate Liquidity for Outstanding Invoices.
Convert unpaid Net-30, Net-60, or Net-90 corporate and government invoices into immediate capital. Eliminate cash-flow bottlenecks caused by slow-paying commercial clients.
Product Overview
What is Invoice Factoring?
Invoice Factoring is a financial transaction where a business sells its accounts receivable (invoices) to a specialized commercial factoring provider at an agreed discount, receiving up to 90% of the invoice face value immediately upon verification.
1. You deliver goods or services to your B2B/B2G client and generate an invoice. 2. You submit the invoice to the factor. 3. The factor advances 80%–90% upfront. 4. When your client pays the full amount, the factor remits the remaining balance minus the factoring fee.
Common Operating Uses
How Businesses Deploy Invoice Factoring
- Freight carriers and trucking fleets needing immediate fuel and payroll capital
- Staffing agencies meeting weekly payroll while clients pay on Net-45 schedules
- Government contractors and telecom suppliers awaiting bureaucratic payment cycles
Suitability & Criteria
Is Invoice Factoring 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 businesses selling to established, solvent corporate or government accounts
- Companies experiencing rapid growth where capital needs outpace cash collections
- Business owners with developing or challenged credit whose customers are creditworthy
May Be Less Suitable If
- Direct-to-consumer businesses (retail, restaurants, personal services)
- Invoices subject to complex retainage, milestone disputes, or offset claims
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 Invoice Factoring
Does my personal credit matter for invoice factoring?
Underwriters look primarily at the credit quality of your commercial clients who pay the invoices, making factoring accessible even if the business owner's credit is rebuilding.
What is the difference between recourse and non-recourse factoring?
In recourse factoring, your business is responsible if the customer never pays. In non-recourse factoring, the factor absorbs credit insolvency risk for qualified accounts.
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.
