As your business grows and you have access to more invoices, you also gain more access to funding thanks to our ongoing partnerships at AFS.
Invoice Factoring
Keep Your Cash Flow Moving
What It Does:
- Provides quick funds
- Makes collections easier
- Reduces administrative burden
Funding Speed:
3–5 business days, then 1 business day for funding
Advance Rate:
Up to 80–90%
Best For:
B2B businesses with invoiced customers
Invoice Terms:
Net 30-60 and beyond
What Invoice Factoring Solves
Speed Up Your Cash Flow
For many businesses, and especially startups, expanding your reach can take a backseat to growing your capital if you work with slow-paying customers. With our factoring services at American Funding Solutions, you can get an advance on your pay and keep your operations moving.
What It Does:
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Gaps between invoicing and payment
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Payroll and operating costs
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Difficulty securing traditional financing
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Inconsistent or seasonal revenue
Your business receives an account manager who handles your invoice factoring, payment collections, and rates for a smooth funding experience.
Because every business is different, we customize each factoring term we take on. No minimums. No long-term contracts. Just funding that adapts to your business and your needs.
Real Results for Growing Businesses
Explore our case studies to see how we’ve helped businesses across the nation optimize their cash flow.
How Invoice Factoring Works
Our Process, Step by Step
Application
After you submit your application, we review and pre-approve it within 24 hours.
Funding Access
AFS advances 80–90% of your chosen invoices quickly, giving you steady and predictable cash flow.
Collections
Our factoring team manages payment collection directly from your customers.
Final Payment
Once the invoice is paid, we release the remaining 10–20% to you, minus our service fee.
Get Started
Tell us about your business and which services you require so we can create a funding plan for you.
More Ways We Can Serve You
Payroll Funding
Supports rapid growth
Keeps capital flowing
Maintains payroll cycles
Read more about Payroll Funding
Purchase Order Funding
Fulfills large orders
Growth without debt
Builds supplier relationships
Read more about Purchase Order Funding
Frequently Asked Questions
Yes, we will notify your customers, but it’s a normal part of our process. AFS sends a “notice of assignment” that simply instructs your customer where to send invoice payments.
Many industries use invoice factoring, so most customers are already familiar with the process and don’t view it negatively. To keep everything transparent and professional, we always copy you on any communication AFS has with your customers.
No, your business credit is not the primary factor for approval. Instead, AFS focuses on the creditworthiness of your customers and the companies responsible for paying your invoices.
This makes factoring an excellent option if your business is growing, newer, or rebuilding credit. Your ability to access funding is tied more to your customers’ strength than your own financial history.
Factoring fees are straightforward and typically range from 1% to 5% of the invoice value. The exact rate depends on factors like your monthly volume, the payment terms of your invoices, and the overall risk profile of your customers. AFS is transparent about pricing, so you’ll always understand the cost upfront with no hidden surprises.
No, we never lock you into a long-term commitment with AFS, because flexibility is a core part of the service. You’re not required to factor a minimum volume or maintain a fixed funding amount. Instead, you can use factoring only when it makes sense for your cash flow, giving you complete control over how and when you access working capital.
Not at all. With AFS, you can choose which invoices and customers you want to factor. This selective approach allows you to tailor funding to your specific needs, whether that’s covering payroll, taking on new projects, or smoothing out seasonal cash flow gaps.
AFS goes beyond basic funding by acting as a true partner in your growth. You gain access to tools like unlimited credit checks to help you evaluate new customers and reduce risk.
Our team also assists with managing past-due invoices, helping improve your cash flow and save you time. Most importantly, you receive responsive, personalized customer service from a team that is invested in your success and committed to helping your business grow.
Approval itself takes about 48 hours. Then, after you’ve submitted your initial invoices and required documentation, we set up your account so you can begin submitting invoices for funding right away. This ensures minimal delay between approval and actually improving your cash flow.
Yes, many businesses use factoring to accept larger orders or contracts. By unlocking working capital tied up in receivables, you can cover upfront costs like materials, labor, or logistics without straining your existing resources.
No, we have zero maximums at AFS. As your invoicing volume increases and you build a history with AFS, your available funding can scale accordingly, giving you access to more capital.
Unlike loans, invoice factoring provides access to funds without adding liabilities to your balance sheet. It’s a more adaptive solution that aligns directly with your sales activity rather than fixed repayment structures.
There are no restrictions on how you use your funds. Whether it’s payroll, inventory, equipment, or expansion efforts, you have full control over how to allocate your working capital.
