Accounts Receivable Financing
Get the funds you need quickly and easily with our accounts receivable financing option.
Apply in Minutes
Find competitive unsecured business loan rates and options
Credit Score
Payment Frequency
Draw As Required
Our flexible credit line serves as an immediate extension of your operational capital.
Adaptable & Renewable
We offer immediate renewals and early settlement discounts for lower interest rates.
Pay Only When Utilized
Access the full amount instantly or draw as required. Secured alternatives available.
Why Choose Accounts Receivable Financing?
Every business owner dreams of taking their company to the next stage of growth. One effective way to handle financial challenges is through accounts receivable financing. This option works similarly to invoice financing, where lenders treat unpaid customer invoices (receivables) as income to help improve cash flow. Since the money is expected from customers, it carries less risk compared to traditional loans. In business, it’s common to encounter late-paying clients—or in some cases, customers who never pay at all. When receivables remain uncollected, it becomes what’s known as bad debt. Experienced businesses often account for this by predicting their likely bad debts ahead of time. This helps ensure that the accounts receivable shown on financial statements reflect realistic values. To manage this, they set up an “allowance for doubtful accounts,” which represents the amount they don’t expect to collect.
Amount funded
Up to $5,000,000
Repayment term
4 months – 2 years
Financing cost
Starting at 8%
Funded within
1 day
Accounts Receivable Financing: It’s just simple!
Fast Results
It takes just 5 minutes to fill out your application and just a few hours to get offers!
Flexible Terms
We help you compare your options with ease and always work to get you the most favorable terms.
Expert Support
Our advisors will make sure that the product you have chosen will suit your business needs best.
How Accounts Receivable Financing Works
Accounts Receivable Financing (ARF), also called invoice financing, allows businesses to borrow against unpaid invoices. Lenders typically advance up to 85% of invoice values for a small fee, often around 1% until repayment. Some providers, such as BlueVine, may even skip a credit check since repayment depends on the invoices themselves. With factoring, funders may advance the full invoice value and collect directly from your customers, providing faster access to capital but sometimes reducing control over cash flow.
Qualification Requirements
To qualify, you mainly need outstanding invoices as proof of receivables. While lenders focus on your invoices, they may also review your company’s revenue, credit, and overall stability. A strong financial history helps improve approval chances, though requirements differ by provider.
Role of Accounting Software
Many lenders integrate directly with accounting platforms like Fundbox and BlueVine. This allows them to assess your receivables in real time, making the process faster and requiring less paperwork. Businesses that already manage their accounting online can often access funds quickly with minimal documentation.
Outstanding Invoices
ARF works best when you have completed work but are still waiting on customer payments. Outstanding invoices don’t have to be overdue, but they must reflect services or goods already delivered. Lenders aren’t debt collectors—your customers still need to pay their invoices for financing to work effectively.
Where to Get ARF
Accounts receivable financing is now widely available online. With cloud-based accounting, transferring data and securing approval can be quick and hassle-free. Many providers can review your invoices instantly and offer same-day or next-day funding.
Comparison to Other Financing Options
While ARF comes with fees, it provides immediate access to cash, making it useful for industries facing payroll gaps or cash flow shortages. For example, if you have $100,000 in unpaid invoices, you might receive an advance of $85,000. After fees of $3,000 and 1% per week, a two-week repayment delay could cost around $5,000. Although this reduces your margin, it ensures liquidity when you need it most.
Why Choose Accounts Receivable Financing
ARF helps businesses maintain steady working capital by leveraging incoming receivables rather than traditional credit. It’s a flexible solution for companies with consistent invoicing, providing cash without adding debt. At LDC Funding, we specialize in asset-based financing solutions designed to match your cash flow, assets, and business goals.
Got some questions?
Get started now. Have working capital today.
Answer a few basic questions about your business to see all your financing options in minutes.