Invoice Factoring
Fast, Flexible Cash Flow for Growing Companies
Running a small business means managing cash flow gaps while waiting on customer payments. At AFS, we help you get paid faster — turning your outstanding invoices into immediate working capital so you can cover payroll, take on new orders, and grow without the wait.
What Is Invoice Factoring?
Invoice factoring (also called accounts receivable financing) lets your business sell unpaid invoices to a factoring company in exchange for an advance — usually up to 90% of the invoice amount, within 24 hours.
When your customer pays, we send you the remaining balance minus a small fee.
It’s not a loan — it’s your money, unlocked faster.
Why Small Businesses Choose AFS
We specialize in helping small and midsize B2B companies that need dependable cash flow and fast funding.
Here’s what sets AFS apart:
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Fast Approvals: Most clients receive same-day funding decisions.
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High Advance Rates: Up to 90% upfront — among the best in the industry.
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Transparent Fees: No hidden charges or surprise deductions.
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Dedicated Support: Work with a real account manager who knows your business.
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Flexible Terms: No long-term commitments — factor when you need to.
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Industry Expertise: Deep experience in staffing, transportation, manufacturing, and service-based companies.
How It Works
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Submit invoices — upload or email your eligible invoices.
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Receive up to 90% of the invoice value, often within 24 hours.
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We handle collections professionally, maintaining your customer relationships.
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You receive the remaining balance (minus our small fee) once your client pays.
Is Factoring Right for Your Small Business?
You could benefit if your company:
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Waits 30–90 days for customers to pay.
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Needs steady cash flow for payroll, materials, or expansion.
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Has creditworthy B2B clients but limited access to bank loans.
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Wants to grow without taking on debt.
We work with many small businesses nationwide, including:
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Staffing firms (including medical, dental, general & more)
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Light industrial and manufacturing
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Cleaning and janitorial services
- Private security staffing
Simple, Transparent Pricing
AFS keeps factoring simple — no hidden fees or confusing terms.
Typical structure:
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Advance rate: 85–90%
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Competitive factoring fees (depending on invoice volume and payment terms)
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Funding time: within 24 hours
Get an instant estimate: Free Eligibility Check →
Why Use Factoring Instead of a Loan
Unlike a business loan or line of credit:
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No debt or collateral required
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Approval based on your clients’ credit, not yours
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Flexible: factor only the invoices you want
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Scalable: funding grows as your receivables grow
That’s why factoring is one of the most popular small business funding solutions today.
Start Today
Skip the 30-day wait. Get fast, flexible working capital through invoice factoring with AFS.
Apply in minutes — no credit impact, no obligation.
Get fast, flexible working capital through invoice factoring with AFS.
Apply in minutes — no credit impact, no obligation.
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Approval Within 24 Hours!
Fill out a quick application now and receive approval within 24 hours! We specialize in helping businesses acquire the working capital necessary for growth.
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