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	Business Tax Returns – most recent 2 years Personal Tax Returns – most recent 2 years *Drivers License or Passport Personal Financial Statement (Form 413) SS-4 Letter from IRS confirming EIN SBA 1919 Form Articles of Incorporation / Organization Operating Agreement or Bylaws Voided Check Business license, if required Spouse email address if married

Our Process for A/R Invoice Financing

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.

What Our Customers Say

      EXCELLENT  
   Based on 69 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Deana H 
 
 
 
 Trustindex verifies that the original source of the review is Google. The whole team over at Elite Finance has been instrumental in the growth of business over the last 2 years. I've grown my business from a single location to 3 locations in that time. Amir's insight was absolutely pivotal, he always takes the time to listen so he has a deep understanding of my situation and then does his magic to let me know the benefits of each loan option. He consistently checks in and makes sure everything is going well and is easy to get a hold of on the phone. Very professional, very communicative
  
 
      Posted on Google  
   
   Dayneliz M 
 
 
 
 Trustindex verifies that the original source of the review is Google. Impressed with this companies customer service. I used them for an SBA-7a and the process was very straightfoward. I recommend Elite Finance to all small business owners in need of business capital
  
 
      Posted on Google  
   
   Joe 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had an excellent experience partnering with Elite Finance to secure financing for my business.  In working with Amir, his depth of knowledge in business lending was shown in every step of the process. What stood out most to me is that he truly took the time to understand my specific needs and financial situation, I wasn't made to feel like "just another client". Amir and his team's communication skills were exemplary, I was kept informed throughout the entire process. I cannot recommend Elite Finance highly enough to anyone needing business financing, this is a textbook example of what a lending company should be!
  
 
      Posted on Google  
   
   Grant S 
 
 
 
 Trustindex verifies that the original source of the review is Google. I was impressed at how knowledgable everyone at Elite Finance was. I’ve worked with some business financing companies before and the difference is night and day. They broke down what I realistically qualified for and the pros and cons of each one, then didn’t pressure me and let me decide what was best for my business. 5/5 stars.
  
 
      Posted on Google  
   
   Jind K 
 
 
 
 Trustindex verifies that the original source of the review is Google. Amir was extremely helpful in securing funding for my company, in record time and beat deadlines. He spent time explaining the difference between each loan that enabled me to make informed decisions. Thank you, Amir, for walking me thru these difficult decisions.
  
 
      Posted on Google  
   
   Joalbert 
 
 
 
 Trustindex verifies that the original source of the review is Google. After getting the same offers over and over from different lenders, Amir was the first person who actually brought me something new. He got me products I had never even heard of before, including a flex term loan that even has a line of credit period built into it. This guy is a wizard at what he does, and more importantly, he’s honest. Highly Recommend for business funding
  
 
      Posted on Google  
   
   Joao L 
 
 
 
 Trustindex verifies that the original source of the review is Google. It really was a breathe of fresh air working with Amir. I’ve had some negative experience in the past trying to find business funding, but from the very first call I could tell Amir was transparent and experienced. He seemed to genuinely have my best interest in mind and did not just push just any offers on me. He took time to understand my goals and got me an offer that made sense. The actual process was super smooth and their communication was always on point. I’d highly recommend Elite Finance Team to anybody who’s looking for money for their biz.
  
 
      Posted on Google  
   
   Synchronicities L 
 
 
 
 Trustindex verifies that the original source of the review is Google. Highly recommended!!  Amir was honest, professional, and extremely patient and willing to explain the things thoroughly, which allowed time and processing for me to make the decisions that were best for my business. Absolutely not the typical experience we all tend to have with the lending industry. I highly recommend Amir and the team he works with!
  
 
  
  
 
 
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