Invoice Factoring Services for B2B Businesses
Get paid in 24 hours. No debt, no setup fees, no long-term contracts.
What Is Invoice Factoring?
Invoice factoring lets B2B businesses turn outstanding invoices into immediate cash. You sell your invoices to Meritus Capital and receive up to 95% of the invoice value within 24 hours, instead of waiting 30, 60, or 90 days for clients to pay.
Not a loan. No collateral, no monthly repayments, no impact on your credit score. You sell what your clients already owe you, and we collect from them when the invoice is due.
How Invoice Factoring Works
Submit Your Invoices
After completing work or delivering goods, submit your invoices to Meritus Capital.
Receive Your Advance
We advance up to 95% of the invoice value, typically within 24 hours. Use the funds to cover payroll, purchase inventory, or move on to your next contract.
We Handle Collections
We collect payment from your client when the invoice is due. Once it clears, we release the remaining balance to you, minus a 1-3% service fee.
Invoice Factoring Rates and Fees
Wondering what invoice factoring costs? Meritus Capital charges 1 to 3% of the invoice value, depending on invoice volume, industry, and your clients' payment history. On a $50,000 invoice, that works out to $500 to $1,500.
$500 to $1,500
On a $50,000 invoice
What to Watch for When Comparing Invoice Factoring Companies
Who Qualifies for Invoice Factoring?
Invoice factoring is available to B2B businesses that:
We underwrite based on your clients' creditworthiness, not your personal credit score. That makes factoring one of the most accessible funding options for startups, growing companies, and businesses that do not qualify for traditional bank financing. Invoice factoring is transactional by design, meaning you do not incur debt.
We work across industries, including:
Staffing
Payroll is due before clients settle invoices.
Manufacturing
Materials and labor paid upfront; receivables arrive 30 to 90 days later.
Transportation
Fuel and driver wages are immediate. Freight bills are not.
B2B Services
Long payment terms on earned revenue. We convert receivables into cash.
See B2B solutions →
Startups
No years-in-business requirement. Approval based on your clients' credit.
See startup solutions →Recourse vs. Non-Recourse.
We walk you through both options and help you choose the structure that fits your client base.
Recourse Factoring
If your client doesn't pay, you buy back the invoice. Lower fees, more responsibility on your end.
Non-Recourse Factoring
We absorb the loss if your client becomes insolvent. More protection against credit risk, slightly higher rates.
Experience the Meritus Difference
Fast Funding
Invoices funded within 24 hours of submission.
Dedicated Support
One account manager who knows your business and your industry.
Scales With You
Your funding line grows as your invoice volume grows. No re-application needed.
Transaction-based
Sell invoices as needed. No debt incurred.
Businesses That Have Grown With Us
Taking the Leap: Staffing Client Fuels 13x Growth in a New Temporary Staffing Division
A direct-hire client expanding into temporary staffing needed funding to cover workers' costs before employer payments arrived. Meritus delivered a funding line that fueled a 13x expansion in the new division.
Read case study →
From High Fees to High Growth: A Staffing Company Saves $100,000+
A $30M staffing company was losing growth capital to high financing fees from their previous funder. Meritus introduced a competitive solution that saved over $100,000 within 12 months.
Read case study →
From Growing Pains to New Beginnings: Responding to a $36M Sales Surge
A logistics company is saving 25% on its factoring rate with Meritus while sustaining operations across a larger, faster-growing workforce.
Read case study →Frequently Asked Questions About Invoice Factoring
What is invoice factoring, and how does it work?
Invoice factoring is the sale of outstanding B2B invoices to a factoring company for an immediate cash advance, typically 80 to 95% of the invoice value. The factoring company collects from your client when the invoice is due, then releases the remaining balance after settlement. It is not a loan and does not add debt to your balance sheet.
What are typical invoice factoring rates?
Factoring fees typically run 1 to 3% of the invoice value per 30-day period. Rates depend on invoice volume, industry, and your clients' payment history.
How long does it take to get set up?
Most businesses are set up within 7 to 14 days. With Meritus Capital's online application and eSigning, first funding can occur in as little as 3 to 7 days if documentation is submitted quickly.
Can I use invoice factoring if I already have a bank loan or line of credit?
In some cases, yes. Factoring requires a first-position UCC filing on accounts receivable, but agreements between lenders can often be arranged. Speak with a Meritus Capital team member to discuss your situation.
Do I have to factor every invoice I issue?
No. You choose which invoices to submit. There is no requirement to factor every invoice you issue.
Ready to Get Funded?
Join 800+ businesses that have used Meritus Capital's invoice factoring services to close cash flow gaps and grow without debt.
Questions? Call 877-648-3709
More questions? We're here to help.
Send us a note and our team will reach out to you or simply call us at 877-648-3709