Online Business Finance Marketplace – Increase your Business-Cash-Flow today!

Are you facing cash flow gaps in your small to mid-sized business? Turn your business assets (invoices) into immediate working capital. Get Cash for your invoices by factoring.

Factoring is a financial transaction and a type of debtor finance in which a business sells its accounts receivable (i.e., invoices) to a third party (called a factor) at a discount.  A business will sometimes factor its receivable assets to meet its present and immediate cash needs.

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Don’t wait 30+ days to receive payment, unlock cash that’s trapped in your accounts receivable invoices. Start factoring and get paid within 24 hours for invoices.

Get Started:

Go to Factor Bid – click the Get Started button and within the hour you’ll have factor finance companies competing for the opportunity to earn you business and provide you immediate working capital for your invoices!

On the Go:

Download Factor App for your Android and Apple Smartphones!

Business Factoring for Information Technology Companies.

IT financing can be difficult and finding the right company to help is often frustrating. That is why we created Factor App. We have hundreds of Factors that can service your information technology factoring needs.

The process is simple. Download Factor App, snap a picture of one of your open accounts receivable invoices, follow the 3 simple steps and click submit. Within a few minutes you have well qualified industry leaders competing for your financing business.

Factor App matches your invoice with all available Factors that finance information technology businesses. You won’t have to worry about a Factor that doesn’t understand your business and financing needs or a third party in-between you and your financier.


There are a number of ways to finance your information technology company. Many startups are funded by their owners as well as their friends, family and associates. Having access to the right contacts can get you funded through Angel Investors or specialized venture capital.

These conventional lines of funding have many benefits, however are often difficult to secure. You may also have to surrender an equity stake in your company, causing you to loose some of your independence.

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The idea is to grow your IT business organically without giving up too much equity. One of the challenges in software development projects is that clients often pay invoices in 45-70 days after you’ve already completed your service. Few IT companies can afford to wait this long due to their payroll of highly sought after software engineers. The slow paying open accounts can lead to a cash flow crunch and choke your ability to expand and take on new development projects. One of the worst feelings is when you have customers that request ongoing system modifications, development and services, but you are struggling to deliver because you’re worried about covering payroll at the end of the week or month.

Once you start delivering and your clients feel comfortable with your services, their ambitions and ideas start to become limitless, because they now have a dependable partner in their business development needs. Let’s make sure your company can keep up with new product requests and surpass your clients expectations over time.

We do this by focusing on increasing our marketshare and being able to say yes to our customers requests for additional services. To be the most effective, we need to have access to predictable cash flow so we don’t deplete our reserves or end up with too much lag in new development, to where our customers start to venture out in search of new more dependable partnerships.

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You’re going to take a small haircut when financing your receivables with a factoring company for immediate cash. They need to make a little money in order to keep your business flush with cash. The Factor will advance funds using your slow-paying accounts receivable open invoices. Your customers need to be creditworthy and have good payment history with their service providers for factors to assume the liability of the open invoice and get you the money you need to run your business.

Increased cash flow will easily help out with payroll needs, operating expenses and securing new development contracts within your areas of expertise. Companies want to know that your business can deliver what they want and in a timely fashion.


Your financing is flexible and tied to the size of your orders and accounts receivable invoices. Your line of credit is designed to grow as your revenue increases, providing cash flow needed to run your business successfully.

The qualification process for funding is faster and easier than conventional financing. Factors can assist you in checking credit of your clientele, helping to access the liability of working with your clients. Wouldn’t you want to know if a new potential customer that is so eager to secure your services has a lot of outstanding debt to previous companies similar to yours? Factors can also help with backend office work. Having a smart and efficient accounts receivable program in place, will keep your predictable cash flow in line.

Factoring allows you to grow your company using it’s own asset cash flow without giving up any equity position. This is ideal for technology companies that have accelerated growth potential but are being help back by the lack of working capital.

So if you’re ready to start Factoring your asset based receivable open invoices, download Factor App and within a few minutes you’ll have multiple offers from accredited Factors eager to earn your business. You’re under no obligation, choose the Factor that best fits your business needs right now and use factoring as a simple and efficient way to grow your business effectively.

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Staffing Companies can cover expenses with Payroll Funding

Need Payroll funding for your Staffing Company. We can help! Factor App has hundreds of Factors looking to finance your accounts receivable invoices. You submit your Accounts Receivable Invoices using Factor App and within minutes you’ll have 3 highly respected and trusted Factors competing for your business and to Factor your accounts receivable Staffing Invoices.

We understand that making payroll is the most important task for any successful and growing staffing agency. Helps retain high quality talent by offering good salaries and always paying on time. Could you imagine what may happen to the trust between you and your staff if you missed payroll.

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As a fail safe, you should be set up with a Factor incase one or more of your customers have slow paying invoices.

Making payroll remains a serious problem for staffing agencies. In most cases, payroll problems stem from slow pay clients waiting 30-60 days to pay their invoices. When your client pays you in 30-60 days, and you have to pay your employees every two weeks, you’ve now become the lender, plus you’re holding all of the liability.


Finance your payroll with invoice factoring – Invoice factoring solves the problem of slow paying customers and decreases liability on your open invoices. Get immediate funds you need to cover payroll, pay for business expenses and grow your business marketshare.

Transactions are fairly simple. Once you’re set up with a factoring account with the Payroll Factor Funding Company, you submit an invoice along with a copy of the time cards (or similar). When they have your invoices, the payroll factor finance company advances 90-95 percent of the invoices and deposits the funds into your company bank account. Problem solved, you now have plenty of cash to cover payroll weekly or bi-weekly.

Once your client pays in full, the factor funding company settles the transaction by depositing the remaining percentage of the invoice, less their fee.

The cost of factoring varies and on average is between 1.5-3.5 percent per month based on your sales volume and of course the credit worthiness of your invoices.  Setting up your account with a factor is easy and usually takes just a few days. Most companies today factor their invoices regularly to improve their cash flow and business practices.

Make sure you’re getting a few offers for your receivables when you’re ready to start Factoring. Download Factor App and snap a picture of an open invoice you need to factor and within minutes you’ll have trust worth and industry specific Factors competing to buy your invoices. Get the best deal when factoring, make Factors compete for your business!

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