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Accounts Receivable Financing
A line of credit secured by your outstanding accounts receivable — a flexible way to access cash tied up in unpaid customer invoices without giving up ownership of them.
A loan secured against the money your customers owe you, with the receivables as collateral rather than sold outright.
Apply NowWho it's for
Businesses with a steady book of reliable customers who want cash against it while keeping full control of the customer relationship.
How it works
- 1Your receivables ledger is assessed for quality and concentration.
- 2You borrow against a percentage of it.
- 3You keep collecting from customers yourself — they need not know.
- 4As old invoices are paid and new ones raised, the available amount moves with them.
What to watch out for
If a large share of your revenue comes from one or two customers, lenders will lend less against it. Concentration is the single biggest factor here.
At a glance
- ●Revolving line secured by outstanding receivables
- ●Different structure from invoice factoring — you keep the receivables
- ●Credit line grows as your receivables grow
- ●Good fit for B2B businesses with steady invoicing
Common questions
How is this different from factoring?
Factoring sells the invoice; this borrows against it. Here you stay in charge of collections and the customer relationship.
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