Invoice Factoring | Payroll funding
Fast, Flexible Funding On Your Terms

Our Main Services
Payroll Funding
Supports rapid growth
Keeps capital flowing
Maintains payroll cycles
Purchase Order Funding
Fulfills large orders
Growth without debt
Builds supplier relationships
Our Process
How Funding Works

Application & Approval
Once you apply for our services, we pre-approve you within 24 hours. This process ensures your customers can pay within the allotted time.
Invoice Submission
After pre-approval, you send us the invoices you want funded. Our flexible approach to funding allows you to choose what and when to factor.
Quick Turnaround
American Funding Solutions then funds you 80-90% of the invoice, allowing you to smooth out your cash flow.
Customer Collection
Our invoice factoring company collects your invoice payment directly from your customer, so you don’t have to spend time collecting it yourself.
Rebate & Fees
After we confirm the payment, we rebate you the remaining 10-20% of your invoice, minus our service fee.
Let’s Walk You Through It
Common Industries We Serve
Staffing Agencies
You keep track of your people; we’ll keep track of your money.
Manufacturing Factoring
Manage your product lines while our team ensures you’re getting paid.
Security Companies
Protect both your customers and your funds with our collection services.
Janitorial & Facility Services
Our invoice factoring company keeps your bank account clean.
IT Staffing & Consulting
Improve liquidity to enable consultants’ placements without cash-flow constraints.
Light Industrial & Clerical Staffing
Fund weekly payroll, supporting hiring for seasonal demand.
Medical Staffing
Accelerate reimbursements and ensure clinicians receive timely compensation.
Security Staffing
Stabilize cash flow to cover payroll for guards and teams during delays.
Get Started
Tell us about your business and which services you require so we can create a funding plan for you.
A Smarter Approach to Cash Flow
For over 20 years, AFS has built lasting relationships by offering flexible invoice factoring with no minimums or long-term commitments. Growing your business takes time and effort, and we’d like to take a little of both off your plate. Dive deeper into our story and what we do as your go-to invoice factoring company.



Are You a Good Fit?
Different businesses need different solutions to their cash flow concerns, and while we specialize in those with $100K-$3M in monthly invoicing, we’re also equipped to assist with startups. At our invoice factoring company, our flexible terms and no long-term commitments provide your business with adaptable funding solutions.

Invoice Factoring
This form of funding is most commonly used by B2B companies that issue invoices with delayed payment terms. These businesses often experience cash flow gaps because their customers take weeks—or even months—to pay. Industries like staffing, manufacturing, wholesale, and professional services frequently rely on this service to maintain steady operations.
Among these industries, staffing companies are the most prominent users, since they must meet regular payroll obligations regardless of when clients pay. This includes sectors such as medical staffing, security staffing, IT staffing, and consulting, where consistent cash flow is critical to keeping talent paid and operations running smoothly.
Payroll Funding for Staffing Companies
We often serve staffing agencies that need to bridge the gap between paying employees weekly and receiving payment from clients on longer terms, such as net-30 or net-60. This service supports staffing firms of all sizes, from brand new agencies just issuing their first invoice to well-established companies scaling their operations.
Payroll funding is especially valuable in industries like healthcare staffing and security staffing, where payroll demands are frequent and non-negotiable. By providing immediate access to working capital without minimum requirements, payroll funding helps these businesses grow without being constrained by delayed client payments.
Purchase Order Financing
Product-based businesses typically use purchase order financing when they have secured large or confirmed orders from reputable customers but lack the upfront capital needed to fulfill them. These companies often need funds to pay suppliers, manufacture goods, or cover production costs before receiving payment from their buyers.
This type of financing is especially beneficial for wholesalers, distributors, and import/export businesses looking to take on bigger opportunities without straining their cash reserves. As a result, they can accept and complete orders they might otherwise have to decline.
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