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Funding product

Invoice Factoring

Sell your unpaid B2B invoices and receive up to 90% of their value immediately — stop letting net-30/60/90 terms strangle your cash flow.

Advance Up to 90% of invoice Term Per invoice, ongoing Funding 24 - 48 hours

What it is

Invoice factoring turns your unpaid receivables into immediate working capital. Rather than waiting 30, 60, or 90 days for customers to pay, you sell those invoices to Northwind and receive up to 90% of their value within a day or two. We then collect from your customer and forward the remaining balance, less a small factoring fee.

Because approval is based on the creditworthiness of your customers — not just your own — factoring is accessible even to younger businesses, and it scales automatically as your sales grow.

Best for

A invoice factoring tends to be the right fit when:

  • B2B businesses stuck on net-30, net-60, or net-90 terms
  • Trucking and freight companies waiting on broker payments
  • Staffing agencies that must make payroll before clients pay
  • Manufacturers and wholesalers with large invoice volumes
  • Growing companies whose financing needs scale with sales

How it works

  1. Deliver your goods or services

    Invoice your customer exactly as you normally would, on your usual terms.

  2. Submit the invoice to Northwind

    Send us the invoice and we verify it — approval rests on your customer's credit, not only yours.

  3. Receive your advance

    Within 24-48 hours you get up to 90% of the invoice value deposited to your account.

  4. We collect, you get the rest

    When your customer pays, we forward the remaining balance minus a small factoring fee.

Rates & terms

Pricing & structure

  • Advance rateUp to 90% of invoice
  • Factoring fee0.5% - 3% per 30 days
  • Facility sizeScales with receivables
  • Funding speed24 - 48 hours
  • RecourseRecourse & non-recourse
  • TermPer invoice - no fixed term

Eligibility & requirements

  • Time in business6+ months
  • Monthly revenue$15,000+
  • Customer baseCreditworthy B2B clients
  • Invoice typeCompleted, undisputed work
  • Business typeU.S. for-profit
  • Decision time1 - 2 business days

Figures are illustrative and do not constitute an offer of credit. Final rates and terms are set by underwriting and vary by qualifications.

Why owners choose it

Cash in 24-48 hours

Convert receivables to working capital almost overnight.

Based on customer credit

Approval leans on your clients' strength, not only yours.

Scales with sales

Your available funding grows automatically as you invoice more.

Optional collections

Let our team handle receivables follow-up so you don't have to.

Do you qualify?

Northwind's core requirements

Most applicants qualify for a invoice factoring if they meet our baseline standards:

  • 6+ months in business
  • $15,000+ in monthly revenue
  • 500+ personal credit score
  • A U.S.-based, for-profit business

Factoring isn't a loan, so there's no debt on your balance sheet and approval focuses on your invoices and customers rather than your credit score.

Frequently asked

No. You're selling an asset — your invoice — at a small discount, so it doesn't add debt to your balance sheet or require fixed monthly loan payments.

With standard (notification) factoring, payments are remitted to us, so customers are aware. Confidential arrangements are available in some cases — ask your advisor.

With non-recourse factoring, we absorb the credit risk on approved invoices. With recourse factoring, you'd buy back an unpaid invoice. We'll explain both clearly.

Fees typically run 0.5%-3% per 30 days the invoice is outstanding, depending on volume and customer credit quality.

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Steady capital. Solid partners.

Stop waiting on slow-paying customers

Factor your invoices and put your own money to work today, not in 60 days.

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