Accounts Receivable
Get paid on your schedule, not your customer's
Advance against invoices you've already earned. Because underwriting leans on your customers' credit quality, approval is achievable even with a thin business credit file.
- Up to 0%
- Advance rate
- $0K – $10M
- Facility size
- 0.0% / 30 days
- Fees from
- 0 – 72 hrs
- Time to funding
Best for
Is this the right fit?
- B2B and B2G companies invoicing on net terms
- Staffing, trucking, and professional services firms
- Fast-growing businesses outpacing their cash cycle
- Companies with strong customers but a thin credit history
- Covering payroll while large invoices sit unpaid
Typical requirements
- Invoices issued to businesses or government entities
- Creditworthy customers with a payment history
- No existing liens on the receivables being financed
- Aging report and sample invoices
- Completed work or delivered goods
How it works
From application to funded
No document black holes. You always know what stage you're in and what happens next.
Submit your aging
Upload an A/R aging report and the invoices you'd like to advance against.
Receive the advance
You get up to 90% of face value immediately; the remainder is held in reserve.
Customer pays, reserve releases
When the invoice settles, the reserve is released to you less the agreed fee.
FAQ
Questions, answered
Will my customers know?+
With notification factoring, yes — payment is remitted to a lockbox. Non-notification programs exist for qualified borrowers who need discretion.
Do I have to finance every invoice?+
No. Spot factoring lets you choose specific invoices with no volume commitment.
What happens if a customer doesn't pay?+
Recourse facilities put the obligation back on you; non-recourse absorbs credit loss for a higher fee. We'll explain which you're signing.
How is this different from a loan?+
You're selling or borrowing against an asset you already own, so it doesn't add traditional term debt to your balance sheet.
One application, many options
Apply once and we match your file against the products that actually fit.
A real advisor
Every business is assigned a dedicated Flyfill advisor from application through payoff.
No surprises
Total cost of capital, payment schedule, and prepayment terms disclosed up front.
Ready when you are
One short application. A dedicated advisor. Funding decisions instant to 2 hrs.