A/R Invoice Financing
A/R Invoice Financing helps your business unlock working capital by turning unpaid invoices into immediate cash. This solution is perfect for businesses that want to improve cash flow without waiting for customer payments.
Who Can Use A/R Invoice Financing?
Small & Medium Enterprises
Businesses with slow-paying customers
Growing companies needing working capital
Companies requiring funds for payroll, inventory, or expansion
Benefits of A/R Invoice Financing
Fast Cash Flow
Get up to 90% of your invoice value advanced within 24-48 hours to boost your working capital immediately.
No New Debt
This financing option doesn’t add liabilities to your balance sheet, keeping your credit profile intact.
Flexible Financing
Choose which invoices to finance, allowing you to manage cash flow on your terms.
No Collateral Needed
Use your invoices as security, so you don’t have to risk other assets.
Focus on Growth
With improved cash flow, you can invest in inventory, payroll, or new projects without delays.
SBA FastTrack™
| Minimum FICO Score | 700 Equifax model v9 |
| Minimum SBSS (small business scoring system) | 170 |
| Time in Business | 2 years |
| Felonies Allowed | No |
| Bankrupctcy Allowed | 1 bankrupcy allowed after 10 years seasoning; multiple BK’s not allowed. |
| Use of Funds | Working Capital |
| Debt Service Coverage Ratio | Not required, but business must show at least $1 in profit (NOI) on last filed tax return |
| Taxes Owed | All taxes must be current; including 941 payroll taxes, 1040 personal taxes and 1120 business taxes. |
| Closing Timeframe | 3 weeks |
| Loan Term | 10 Years |
| Loan Amount | $50,000 – $150,000. Loan amount is 33% of gross revenue on the last filed tax return up to maximum loan of $150,000 |
| Interest Rate | Prime + 3%, variable adjusting quarterly |
| Fees | 2% charged by LoanBud to client; 2% charged by Broker to client; $1,500 packaging fee charged by lender to client |
| Commission to Broker | 2%, paid by client |
| Documents Needed | |
| *required for initial pre-qualification submission |
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Our Process for A/R Invoice Financing
Consultation
We discuss your cash flow needs and how invoice financing can help.
Invoice Submission
Send us your invoices to review and verify.
Fast Approval
We assess your invoices and approve funding quickly.
Receive Funds
Get your advance payment, usually within 1-2 business days.
Why Choose Elite Finance Team?
Experienced Specialists
Our team has deep knowledge in invoice financing, ensuring tailored solutions for your business. We understand the challenges and provide flexible options to fit your needs.
Fast & Transparent
We guarantee quick approval and funding with clear, upfront fees so you know exactly what to expect. No hidden charges or surprises.
Dedicated Support
From application to ongoing management, our experts guide you through every step, helping you maintain steady cash flow and business growth.
Ready to Unlock Your Cash Flow?
Contact us today for personalised advice on A/R Invoice Financing. Get the cash your business needs to grow, without waiting for your customers.
