Invoice Financing

Accounts receivable financing allows businesses to finance outstanding invoices

What is Invoice Financing?

One of the most frustrating aspects of running a growing business is waiting for your invoices to be paid—especially when some customers don’t pay on time. And delayed payments mean you don’t get to funnel that capital back into your business right away, tying up your working capital and creating a whole host of trouble.

Invoice financing allows business owners to finance outstanding invoices. Invoice financing companies advance you cash collateralized by your unpaid invoices, giving you an excellent way to put money back into your business. With invoice financing, you can get a fast advance of about 85% of the value of your invoices, with most of the other 15% paid to you later.

Any business with a business-to-business model can qualify for invoice financing, as long as they currently have outstanding receivables.

Lenders don’t care as much about your revenue, profitability, or time in business with invoice financing. Since your invoices will act as the loan’s collateral, lenders just want to make sure the invoices make sense for them to finance. The rest of your business isn’t too important.

The maximum amount you can qualify for depends on the total amount and quality of your invoices, as well as on your creditworthiness.

Invoice financing at a glance

  • check Funding in as little as 24 hours
  • check No personal credit requirements
  • check Invoices serve as collateral
  • check Minimal documentation required
  • check Based on credit of the invoiced business


  • keyboard_arrow_right 3+ months of invoice history
  • keyboard_arrow_right $300K+ annual revenue

Note: These are general qualifications. Other information might be considered during your application. Your dedicated Clarify advisor will guide you through it!
Invoice financing

"My company gets paid by the state and it takes 60-90 days to get paid. I worked with both Michael and Bryan. We were able to leverage my accounts receivable to secure the working capital needed for day-to-day operations. I’m able to pay off the credit line with no prepayment penalties. Their line of credit program was exactly what I needed."

IT Service Provider
New Jersey
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