Whether you're factoring for the first time or already locked into a rate that's too high, we handle the paperwork, the comparisons, and the negotiation so you don't have to.
The same four steps whether it's your first factoring relationship or your fourth.
Share what you do, who your customers are, and your typical payment terms. Takes about 10 minutes.
New to factoring? We connect you with a vetted factor. Already factoring? We go back to the table on your behalf.
Most clients see cash land within 24–48 hours of approval, not weeks.
Once your customer pays the invoice, you receive the held-back reserve balance minus the agreed fee.
Most businesses come to us in one of two situations. Both end with more cash and a better deal.
You've never factored an invoice before, and you're not sure where to start or who to trust.
You're already factoring, but the discount fee, reserve holdback, or contract terms don't sit right anymore.
Paste in your agreement, or upload it, and get a plain-English breakdown of your rate, fees, and lock-in terms in about 30 seconds — free, no signup, no obligation. We'll also flag whether we think you could do better elsewhere.
This analysis is generated automatically for informational purposes only and is not legal or financial advice. Have an attorney review any contract before making decisions. We don't store what you paste or upload here — it's used once, for this summary, and discarded.
Your contract breakdown will appear here — advance rate, fees, reserve holdback, renewal terms, and where you might be able to negotiate.
Factoring shows up most where payment terms are long and payroll can't wait.
A few notes from businesses we've placed or renegotiated for.
"We were paying a 4% discount fee and didn't know it was negotiable until someone actually asked on our behalf."
"First time factoring and it felt overwhelming. Having someone explain the contract line by line made the difference."
"Switched factors with two weeks' notice and no early termination penalty because someone checked the fine print first."
No cost, no obligation. We'll follow up within one business day, usually sooner.
Prefer to talk it through first? Email hello@factormybiz.com.