Accounts Receivable Financing
Turn unpaid invoices into cash to bridge working capital gaps while you wait for customers to pay.
Safer-first recommendations
Deal protection built-in
Partner-ready packets
Best for
SMBs needing capital aligned to a clear purpose and repayment capacity.
Benefits
- Unlock cash tied up in invoices
- Helps smooth payroll and materials timing gaps
- Can be safer than high-cost daily remittance products
- Scales with invoice volume
How it works
- Confirm you have eligible invoices (often B2B)
- Review invoice terms, customer quality, and payment history
- Set a plan to improve collections so financing use decreases over time
- Use proceeds to stabilize operations and build runway buffer
Risk flags / when to avoid
- Ineligible or disputed invoices can delay funding
- Customer concentration can increase risk
- Costs vary—compare to safer options and fix AR process
FAQ
Do I need B2B invoices?
Often yes. Many programs focus on business-to-business invoices.
How fast is AR financing?
Varies by partner and invoice verification steps.
Will my customer know?
Depends on structure (factoring vs confidential).
Is it expensive?
Costs vary. We focus on total cost and whether it’s safer than alternatives.
Any guarantees?
No. Eligibility varies.
Ready to review options?
Request a review and we’ll respond with next steps and a partner-ready packet.
Disclosures
- Not a lender: Financial Catapult is not a bank or lender.
- Third-party offers: Funding and processing options may be offered by third-party partners. Terms vary.
- No guarantees: Eligibility, terms, and approvals are not guaranteed.
- Not advice: Content is for informational purposes and is not financial or legal advice.
- Privacy: Information submitted is used to respond to your request and improve our service.