We Turn Your Business Invoices Into Instant Cash
…without adding debt, changing your client terms, or endless paperwork.
Access fast working capital by unlocking cash trapped in your invoices.
You’ve already done the work. Let's get your money sooner, without loans or changing your client terms.
Access Your Cash Within 24 Hours
Your unpaid invoices hold cash you’ve already earned. We advance you the funds so you don’t have to wait 30, 60, or 90 days to get paid.
No Loans. No Debt. No Personal Guarantees
This isn’t a loan. You’re simply accessing the value of your invoices, without adding liabilities to your balance sheet.
A Smarter Alternative to Bank Loans
Skip rigid requirements, endless paperwork, and slow approval processes.
Simple and Flexible Funding
A straightforward funding solution that scales with your business, giving you reliable access to cash as you grow.
Unlocking funds is easy
A simple, 3-step process to free up cash, grow your business, and skip the waiting game:
01
Submit
Share Your Outstanding Invoices
Send us your invoices along with a few basic details and we’ll review everything immediately. Fast, clear, and transparent, no surprises, just results.
Cash in Your Account Fast
Once approved, funds are transferred directly to your account, often within 24 hours. Enjoy immediate access to your money and focus on running your business, with no debt and no waiting.
02
Receive
03
Grow
Turn Cash Flow Into Opportunities
With cash in hand, invest in new projects, expand your business, cover urgent costs, and seize opportunities as they come without worrying about cash flow or working capital.
How Much Cash Is Trapped in Your Invoices?
Let’s find out exactly how much working capital you can free up today!
Trusted by Businesses Across Industries.
Thousands of invoices funded, helping companies like yours get cash fast and keep growing stress-free.
10/10!
Definitely recommend!
"I had payroll coming up and a few invoices that weren’t due for another 30 days. I was stressing about covering the team’s wages, but I submitted them through eFactored in the morning and had the money by that afternoon. Honestly, it felt like a weight lifted off my shoulders."
Sarah M. | Staffing
Thanks!
Honestly, I wasn’t sure how this would work at first. But submitting invoices was easy, the team was super friendly, and the cash hit my account faster than I expected. It’s made managing stock and payments so much less stressful. Really glad we found you guys!
Emily R. | Wholesale & Distribution
"We had a big order come in, but cash was tied up in older invoices. I didn’t want to turn it down, so I tried eFactored. Within a day, we had enough to buy the materials and pay overtime for the team. We shipped the order on time, and it opened up new clients we wouldn’t have had otherwise."
Jason T. | Manufacturing
"Our clients all have 60–90 day payment terms, and I was worried about covering fuel and maintenance. eFactored figured out which underwriter would actually fund our type of invoices and got everything set up without me having to chase anyone. It’s saved me hours of headaches and kept the trucks on the road."
David L. | Transportation & Trucking
FAQ.
Invoice factoring lets you turn unpaid invoices into cash immediately. Instead of waiting for clients to pay, a factoring company advances most of your invoice value right away, so you can cover expenses, invest, and grow your business without stress.
1. Invoice Creation: Deliver your product or service and generate an invoice.
2. Invoice Submission: Send the invoice to a factoring company instead of waiting for payment.
3. Immediate Payment: Receive 80–95% of the invoice value instantly.
4. Final Settlement: When the client pays, you get the remaining balance minus a small fee.
Factoring is ideal for B2B businesses whose clients pay on credit terms. It helps if you:
Need to cover payroll, rent, or urgent costs without waiting.
Want to seize growth opportunities instead of waiting on invoices.
Prefer a non-debt solution to improve cash flow.
Popular industries: Staffing, Transportation, Manufacturing, Wholesale & Distribution, Construction, Service Businesses.
Your initial account setup takes just 24–48 hours. After that, submit invoices and receive funds within hours, giving you fast access to cash when you need it most.
Finding the right underwriter for your invoices can be tricky. Each has different criteria and specialties, with some focusing on certain industries, revenue sizes, or client profiles. eFactored does the hard work for you. We identify the best match for your business, negotiate competitive terms, and guide you through the process, all at no cost. Spend less time searching and more time growing your business.
Our service is completely free because underwriters pay us a commission when a deal is finalized, not you. This means you get expert guidance and access to the best rates without any extra cost.
Explore Your Options. With No Obligation.
In a short call, we’ll review your needs, explain your real options, and see what makes sense. No pressure, No commitments.
"Helping B2B businesses unlock cash from unpaid invoices. Fast, simple, and stress-free working capital."
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