Invoice factoring converts your outstanding B2B invoices into immediate working capital. It is a sale of your receivables, not a loan, so you add cash without adding debt to your balance sheet.
Advance up to 90% of invoice value
Get the bulk of your invoice now. The remainder, minus the factor fee, follows when your customer pays.
Not a loan. No new debt.
You are selling an asset your business already owns, not taking on a loan balance.
Your customers’ credit does the qualifying
Approval is based primarily on the companies you invoice, not your own score.
A real person, not a portal
An advisor walks you through your application by phone.
Check your funding options
Takes about a minute. No obligation.
Advisors available now
"*" indicates required fields
Secure formNo obligationReviewed by a real advisor
$250M+
in funding secured
24 hrs
fastest funding time
20+ yrs
combined funding experience
Do you qualify?
Straightforward criteria. Here’s what we look for.
Business model
B2B invoicing
You invoice other businesses or government entities on terms: net 30, 60, or 90.
Monthly invoicing
$25K+
A consistent volume of invoices for completed work or delivered goods.
Your customers
Creditworthy
Your customers’ payment history and credit strength drive approval.
Receivables
Unencumbered
Your invoices are free of prior liens, or can be released at closing.
Not sure you qualify? Most owners we talk to are closer than they think.
Facilities scale with your invoicing volume, from under $25K to $500K and up.
Check my funding options
Built for businesses that get paid on terms, not on delivery.
These are the businesses we fund most.
Staffing & recruiting agencies
Payroll hits weekly; client payments land in 30 to 60 days.
Trucking & freight carriers
Fuel, insurance, and drivers cannot wait on a broker’s net 45.
Manufacturers & wholesalers
Big orders mean big invoices, and big gaps before payment.
Government contractors
Reliable payers, slow payment cycles.
What is invoice factoring?
Invoice factoring is the sale of your accounts receivable at a small discount. Instead of waiting 30, 60, or 90 days for a customer to pay, you sell the invoice and receive most of its value up front, typically up to 90%. When your customer pays the invoice, you receive the remaining balance, minus the factor fee.
Because factoring is a purchase of an asset rather than a loan, it does not add debt to your balance sheet, and approval does not hinge on your personal credit. What matters is the strength of the companies you invoice. That is why factoring is the working capital tool of choice for staffing firms, carriers, manufacturers, and any B2B business growing faster than its customers pay.
Before anything starts, your advisor shows you the advance rate and the factor fee in plain numbers. You see the full cost up front.
Check my funding options
How it works
1Request in about a minute. Share the basics in the short form. No documents needed to start.
2Review with your advisor. A real person takes your application by phone in about 15 minutes and reviews the customers you invoice.
3Submit invoices, get funded. Send your approved invoices and receive up to 90% of their value, in as little as 24 hours after setup.
4Your customer pays; you get the rest. When your customer pays the invoice, the remaining balance is released to you minus the factor fee. Then factor the next batch.
Why business owners choose factoring through Denali.
Built by entrepreneurs, for entrepreneurs.
Cash without debt
Factoring is a sale of receivables, not a loan. Your balance sheet stays clean.
Approval based on your customers
The credit strength of the companies you invoice matters more than your own score.
Funding that grows with you
The more you invoice, the more you can factor. Your facility scales with your sales.
Fast access to capital
Invoices funded in as little as 24 hours once your account is set up.
Dedicated support
Experienced financial advisors guide you through setup, verification, and every batch of invoices.
Stop chasing payments
Collections on factored invoices are handled for you, so you can spend your time running the business.
Check my funding options
What our clients say.
Real feedback from business owners funded through Denali Advance.
Invoice factoring FAQs.
Is factoring a loan?
No. Factoring is the purchase of your invoices at a discount, a sale of an asset your business already owns. There is no loan balance, no monthly loan payment, and no new debt on your books. Your advisor walks you through the agreement terms before you sign.
How much does factoring cost?
You receive an advance of up to 90% of the invoice value up front; the remainder is released when your customer pays, minus a factor fee. The fee depends on your invoice volume, your customers’ credit strength, and how long invoices typically take to pay. Your advisor shows you the advance rate and the exact fee in writing before anything starts.
Will my customers know I am factoring?
In most arrangements, invoices are paid to a designated account and customers receive a standard notice of assignment, a routine process that is common across staffing, trucking, and wholesale industries. Your advisor explains exactly how notification and collections are handled for your account before you sign.
Will applying affect my credit?
Sending the short form does not run a credit check. Approval is based primarily on your customers’ creditworthiness, not yours. Your advisor explains when and how any credit review happens before anything is pulled.
Which invoices qualify?
Invoices owed by creditworthy businesses or government entities, for work completed or goods delivered, typically on net 30 to 90 day terms. Your advisor reviews your customer list during your call and tells you exactly which invoices are eligible.
Can a young business qualify?
Often, yes, because approval rests on your customers’ strength rather than your time in business. Factoring is one of the most accessible funding structures for young B2B companies with solid clients.
What is the difference between recourse and non‑recourse factoring?
With recourse factoring, you buy back an invoice if your customer fails to pay. With non-recourse, the factor assumes the credit risk on approved customers, usually at a higher fee. Your advisor explains both structures and which one your account qualifies for, in plain terms, before you sign.
Still have questions?
Call and a real person walks you through it. The phone application takes about 15 minutes, and your advisor answers anything the page did not.
or email info@denaliadvance.com
Tell us about your business.
Share the basics. A funding advisor takes it from there.
- Your name, business name and best phone number
- How much funding you need and what it is for
- How long you have been in business
- Your average monthly revenue
