Funding Solution
Invoice Financing
Financing that uses outstanding customer invoices as the basis for available funds.
Overview
Understanding Invoice Financing
Invoice financing is based on unpaid invoices owed to your business. Instead of waiting for customer payment terms, a business may access a portion of invoice value subject to the lender's program.
Pricing is typically expressed as a fee tied to the invoice amount and the time outstanding. Programs differ in whether customers are notified and how collections are handled.
Benefits
- Tied to sales you have already delivered
- May shorten the effective cash conversion cycle
- Availability can grow alongside invoicing volume
- Often considered by businesses with commercial customers
Common uses
- Covering payroll while invoices are outstanding
- Funding the next project before payment arrives
- Managing net-30 to net-90 customer terms
- Supporting rapid order growth
Who it may be suitable for
- B2B and B2G businesses that invoice customers
- Staffing, logistics, and contracting companies
- Businesses with creditworthy customers and clean billing
Emporium Capital Hills is not a lender or a bank. We help business owners explore financing options through a network of lending partners. Financing availability, amounts, rates, and terms depend on each lender's criteria and are not guaranteed. Nothing on this website is an offer or commitment to lend.
Questions
Frequently Asked Questions
Ready to Move Your Business Forward?
Complete your secure application today. A funding specialist will follow up during business hours.