Invoice Factoring
Stop waiting 30–90 days to get paid. Sell your outstanding invoices and get most of the cash now. Get matched with factoring partners — free to apply, no hard credit pull.
Start your match
Takes about 2 minutes. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
How invoice factoring works
With factoring, you sell your unpaid B2B invoices to a factor at a small discount and receive most of the value upfront — often within a day. The factor collects payment from your customer, then sends you the remainder minus their fee. It turns slow receivables into working cash.
Who it fits
- B2B businesses that invoice on net-30/60/90 terms
- Trucking, staffing, cleaning, manufacturing, and contractors
- Businesses growing faster than their cash flow
- Companies that need cash now without taking on debt
Factoring vs. a loan
Factoring isn't a loan — you're advancing money you've already earned, so it doesn't add debt to your books. Approval leans on your customers' creditworthiness rather than yours, which can make it accessible even with weaker business credit.
What to know
- You typically receive 80–95% upfront, the rest on collection
- Fees depend on volume and how fast customers pay
- Your customers' payment reliability matters most
Invoice factoring for staffing agencies and B2B services
Staffing agencies feel the cash gap hardest — payroll runs weekly while clients pay net-30 to net-60. Factoring turns those outstanding invoices into cash now, so you can make payroll and take on new placements without waiting. The same fit applies to cleaning, consulting, and other B2B services that bill on terms.
Why do thousands of businesses trust LendNest?
Security
Instead of sharing information with multiple lenders, fill out one simple, secure form in 60 seconds or less.
Savings
We'll match you with up to five lenders from our network of our network of lenders who will compete for your business.
Support
A dedicated funding specialist will walk you through your options and help you choose the best offer.
Frequently Asked Questions
See what you may qualify for
Compare offers from our network of lenders. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
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LendNest is a matching service, not a lender. Approval, amount, rates, and terms vary by partner and are not guaranteed.
