Turn Unpaid Invoices
Into Working Capital
Invoice factoring and accounts receivable lines of credit, with availability tied to your billings. 30, 60, or 90-day payment terms stop being your cash flow problem.
Let's talk about your facility.
Two questions to start. No obligation, no credit pull.
Speak with one of our working capital experts today!
- Up to $5,000,000
- Fast Closing
- Same Day Funding
- Interest Only
Turn what your customers owe you into working capital.
B2B invoice financing lets a business that invoices other businesses turn unpaid invoices into cash now instead of waiting 30, 60, or 90 days. GillmanBagley offers three ways to do it: invoice factoring, where you sell specific invoices for an advance; an A/R line of credit, a revolving facility tied to your eligible receivables; and payroll funding, which advances against work you have earned but not yet billed. See how invoice factoring works.
Your customers pay, just not quickly.
Winning the customer is the milestone. Bridging the cash-flow gap between sending the invoice and getting paid is the challenge, and it's the one thing every growing business has in common.
Payroll every two weeks
vs. 30-60 day invoices
You run payroll on a fixed cycle. Your customers pay on their own, often 30 to 60 days after invoicing. That gap lands on you.
The invoice is out,
the cash isn’t
The work is done and billed, but the money sits with your customer for weeks. Growth just means more invoices waiting to be paid.
Banks underwrite your past,
we look at your business today
Many traditional lenders want several years of financials. We underwrite the strength of your receivables and your customers’ payment history.
Financing built around your invoices.
An A/R line of credit and invoice factoring, both with capital aligned to your receivables. Payroll funding is also available, for work you've performed but haven't billed yet.
A/R Line of Credit
Availability tied to all your receivables, draw what you need when you need it.
Draw against your receivables for payroll, vendor payments, or any short-term need, then repay as customers pay.
Learn moreInvoice Factoring
Turn unpaid invoices into cash today, not in 30, 60, or 90 days.
Sell your outstanding invoices for an immediate advance, and let us manage the wait on payment instead of you.
Learn morePayroll Funding
Help cover payroll while you wait on customer payment.
Draws against work you’ve already performed but haven’t invoiced yet, built for labor-heavy businesses where payroll outpaces cash flow.
Learn moreWhich financing fits your business?
| Feature | A/R Line of Credit | Invoice Factoring | Payroll Funding |
|---|---|---|---|
| What it is | A revolving facility tied to your receivables. | A sale of unpaid invoices for an immediate advance. | An advance against revenue you have earned but not yet billed. |
| How you use it | Draw what you need, when you need it. | Submit the invoices you want turned into cash. | Draw against hours worked, usually up to 85% of earned but unbilled revenue. |
| What it is based on | Your receivables and billings. | The creditworthiness of your customers. | Work you have performed but not yet invoiced. |
| Choose which invoices | Availability follows all your receivables. | Yes, most arrangements let you select invoices or customers. | Not invoice by invoice, since it covers work before billing. |
| Best for | Steady, recurring billings and changing cash needs. | Large or specific invoices, and customers on long payment terms. | Labor-heavy work where payroll comes due before you can bill. |
Built for a wide range of B2B industries.
Don't see your industry below? Talk to us anyway. Many businesses with eligible B2B receivables may qualify.
Plain-English answers on getting paid faster.
Invoice Financing FAQ
What is invoice factoring and how is it different from a loan?
Invoice factoring lets you sell unpaid invoices to a lender for immediate cash instead of waiting the typical 30-60-90 days for customer payment. It is not a loan: you are selling a receivable you already own at a discount, so there is no loan to repay.
What is an accounts receivable line of credit and how does it work?
An A/R line of credit is a revolving facility with availability tied to your outstanding receivables. You draw funds against your open invoices, then repay as customers pay them. It is designed to match your cash flow cycle rather than a fixed loan term.
Do I have to factor every invoice, or can I choose which ones?
Most arrangements let you select which invoices to factor, so you can use it for specific customers instead of all.
Can I get financing if my business is new or growing quickly?
Yes. Unlike traditional banks, we focus on the strength of your receivables and your customers’ payment history, rather than years in business or a long credit history. A young or fast-growing company with solid customers is often a strong candidate.
What's the difference between a bank loan and receivables-based financing?
Traditional bank loans are typically based on your business's credit history, collateral, and time in business, which can be slow and restrictive for newer or fast-growing companies. Receivables-based financing is based mainly on your customers and how reliably they pay, so approval and funding timelines are typically much faster.
How fast can I get funded?
Because financing is underwritten around your receivables rather than a lengthy credit review, a facility can often be set up in days, not weeks. Once it is in place, funding can be as fast as the same day.
Ready to fund your business?
Tell us about your company and we'll get in contact with you to discuss next steps. There is no cost or obligation to get started.