WE ARE OPEN AND LENDING

Are You Eligible

for Invoice Factoring?

1
Loans
$10,000 to $2M
2
Monthly Invoice Volume
$25,000 to $2M
3
Credit Score
500+ FICO Score

Advantages of Invoice Factoring with our Factoring Company

1

Flexibility To Select Customers

2

Lowest Factoring Company Fees In Industry

3

Professional Support Team Manage Your Receivables

4

Free Credit Checks To Verify Customer’s Creditworthiness

Get Your Money When You Need It

Is a past due unpaid invoice or slow paying customer creating a cash flow problem? Imagine receiving the cash for your outstanding invoice today? Why wait for 30 – 60 days (or more) for your money? Why look at traditional financing and a bank loan to take out a business loan and create more debt? Get your money fast – work with a lender that offers you an online invoice factoring service.

Do you ever worry that you can’t meet your debt obligations? Maybe you struggle to purchase more materials or expand and grow your business? Are you ever stressed because the check wasn’t in the mail? Factoring invoices is a smart choice to get more cash into your business. Getting this cash advance strengthens your balance sheet. This business financing strategy improves the balance sheet by converting your accounts receivables into cash.

Are you confused by all of the factoring companies? Do you need to receive financing but don’t know which accounts receivable company to call?

Call us at 888-­456-9223 or click here to start. Sunwise Capital is one of the best accounts receivable financers and helps you with:

  • Online Access to Your Account. We’ll provide an invoice factoring calculator.
  • Flexible Financing. ou decide what invoices to finance and the invoice amount.
  • Hate Paperwork? No worries. It’s handled. FREE.
  • Not sure about a customer? Get free credit checks to make sure you’re selling to the right people.
  • One-Stop Shopping. We can satisfy all your borrowing needs with a factoring facility and highly competitive rates, a low factoring fee, and guarantees to back it up

Invoice Factoring

  • No Cost
  • No Obligation
  • 24 Hour Approvals

What is Invoice Factoring?

Invoice factoring is a financial transaction that allows your company to sell its receivables to a third party at a discount.

How Invoice Factoring Works

Using a factoring service means that your company can grow and expand without you waiting for that receivable to hit your account. The key to any company’s growth is access to business capital and bank financing.

The challenge today with unpaid invoices or unpaid receivables (also known as AR Finance or receivable financing) is it can force you to pass up on additional business opportunities. This happens when you know your customer will not be paying you in a timely fashion. It’s no surprise that after the great recession and post Covid-19, more and more companies try to stretch their payables as long as possible. You know they do not pay the invoice on time.

When you sell your accounts receivable to a financing organization, that is factoring. This type of accounts receivable factoring is different than invoice discounting. Invoice discounting is when the business owners borrow money against their accounts receivables. When you choose invoice discounting, you’re agreeing to pay back the loan as soon as the customer pays you for the goods or services.

When you consider factoring as an option, note there is a difference between recourse factoring and non-recourse factoring. When you work with a financing company that offers recourse factoring, you agree to buy them back if the invoice goes uncollected. If you decide to use recourse factoring, there is a discount rate since you’re absorbing some of the risks.

Contract factoring is typically a financing agreement between a construction company and the factor. This invoice financing obligates the construction company to sell a stipulated percentage of all invoices.

You may also consider credit insurance. This is a policy that pays off the debt in the event of a customer’s insolvency.

Let Sunwise Capital, a top invoice factoring company, help you today by eliminating the stress of too much month at the end of the money. Let us help you with the cash flow in your business by using invoice financing. Imagine getting payments the very next day for your unpaid invoices for a small fee from Sunwise Capital. Unlike cash advances or business loans, you can leverage your accounts receivable without worrying about term loans. Invoice factoring can be your solution to your financing challenges.

The invoice financing option dates back some 4,000 years to Mesopotamia where we see the factoring financing option come to life. From there, trade finance using a factoring company traveled to Rome. The Roman factoring company sells the invoice promissory notes at a discounted price. Next, we see accounts receivable financing take an active role during the 14th-17th centuries. We know factoring was used in Europe in clothing and manufacturing industries, especially for import and export companies. The factoring company crosses the Atlantic to America with the Pilgrims around 1620. In New York, the garment industry doesn’t survive without the invoice factoring company. Today, easy invoice factoring, along with bank loans, merchant cash advances, and SBA loans take center stage.

Benefits of Invoice Factoring vs Other Business Loans

Receive Financing with Next Day Payments on Your Unpaid Invoices!

  • Low, low invoice factoring fee and rates on the invoice value
  • You choose the customers you want to factor and the outstanding invoice
  • Flexibility
  • Experienced account management professionals work with your team at no cost or obligation
  • Your profits are protected when we verify your customers with free credit checks
  • Use this financing to secure your company’s cash flow

To secure your company’s cash flow

Past Due Invoices? Delayed Payments?

Looking For Growth & Expansion?

 

Is it becoming increasingly challenging to meet your financial obligations, including payroll, supplies, and materials? At Sunwise Capital our top-notch factoring financing solutions put small and midsize companies back in the driver’s seat and control. You depend on your cash flow to keep your company moving forward. You need consistency and dependability to maintain a solid financial footing and to reduce the stress of not knowing when your next dollar will arrive. Sunwise Capital can turn your factored invoice into immediate cash. Why wait 30, 45, or 60 days to get paid on an invoice?

What Are the Program Requirements for this Financing Option?
  • B2B customers only. We’re experts in small business invoice factoring
  • You demonstrably need cash flow to improve to continue to grow and expand
  • Enable your creditworthy customers to get extended invoice terms (i.e., net 30, 45, 60). It’s based on their credit risk, not yours
  • $25,000 per month minimum invoice finance amount on any invoice payment you want
What Are the Benefits, Pros and Cons?
  • Low factoring rate and fast cash when using business factoring. Ask about the discount rate.
  • Easy application process and factoring agreement
  • You select only the customers you want to invoice factor to maximize flexibility and cash
  • No cost professional expertise to manage your receivable factoring and provide full support
  • Ask about our nonrecourse factor and nonrecourse invoice factoring services
  • Let us verify your customers and protect your profits with free credit checks

Factoring Guidelines and Approval Processes

Minimum Acceptable Prospect Criteria
  • Time in business is not a factor
  • Monthly volume potential: $25,000 + (annual revenues over $300,000)
  • Invoice terms: 15 – 120 days
  • At least one creditworthy customer/debtor
  • Personal credit score: 550 or higher
Deal Killers
  • No payment plans on Federal tax liens
  • Open bankruptcies or recent BK’s
  • Blanket UCC liens. We must be able to subordinate or release
  • Fraudulent activity or a serious felony personally in your criminal history
Industries/Deals We DON’T Serve
  • Progress billing
  • Medical billing & insurance receivables
  • International debtors
  • B2C establishments (retail, restaurant, etc.)

How Much Does Invoice Factoring Cost?

Factoring costs, the discount rate, and terms may vary depending on risk analysis, collateral quality, and other factors.

Access Your Finances Online

Busy? On the road? Get immediate online access to your factoring account to make cash flow analysis easy.

  • Financing and Factoring Agreement That’s Flexible
  • Do you need flexibility when determining which invoice you need to factor?
  • Choose one or choose all your invoices and for any time period. It’s up to you.
  • You have the freedom to select invoices plus you can do this without longterm contracts and hidden factoring fees.

 

Hate Paperwork? Use a Factoring Company to handle it for you!

  • Spend the time on your business and not pushing invoice paperwork. You’ll find our factoring company staff professional and our factoring agreement easy to understand. Let our factoring company manage your factoring receivables paperwork for you – at no cost and no hidden fees.
  • Customers Verification We want to make sure you get your payments. We can quickly check your customer’s credit and protect your profits.
  • Stop Shopping
  • Sunwise Capital, a top online invoice factoring company, can offer a financial solution for all your business needs as a boutique lender. You will secure the best rates for your invoice factoring needs.
  • Take advantage of our direct lending using our portfolio of banking, institutional and loan products to explode your business – fast!

 

Basic Requirements

  • B2B only
  • You need to improve your cash flow and your growth plans
  • You want to give your creditworthy customers (net 30, 45, 60, etc.) clear invoice terms.
  • You want to invoice customers after the work is done or products are sold
  • You have the ability or the potential to factor at least $25,000 per month

 

Seize the Day

We all know that your cash flow impacts your business. With Sunwise Capital’s factoring program, we can help position your company to take advantage of the opportunities to explore new growth opportunities. Our factoring company solutions provide small and midsized businesses the steady cash flow you need to keep your company running. Take steps to turn your invoices into cash – immediately with factoring.

 

Do You Need a Factoring Company to Get You Cash Immediately?

Time to Funding – At Sunwise Capital we can provide cash for your invoices in the next 24 hours or sooner. No more having to wait days for your payments. Imagine getting cash today rather than waiting for 30, 45, or even 60 days.

Invoice Factoring

  • Next Day Payments
  • Turning Invoice Into Cash