Your customers owe you money — but they won't pay for 30–90 days. Invoice factoring lets you collect that cash now. Factyr's AI matches you to the right funder for your business in 90 seconds.
The concept
Here's exactly how it works:
You complete a job and invoice your customer for $10,000. They have 30–90 days to pay. Your cash is tied up in that invoice.
A factoring company advances you up to 93% of the invoice value — often the same day. They take on the risk of collecting.
When your customer pays, the funder keeps a small fee (typically 0.9–1.6%) and sends you the remaining balance. Done.
It's not a loan. Your credit score doesn't matter — the funder cares about your customers' ability to pay. No debt on your books. No fixed monthly payments.
How it works
Industry, monthly invoicing volume, and what you need. Four questions, under 90 seconds.
Our AI picks the factoring company best suited to your industry and invoice volume — not a generic list.
We make the intro. The funder advances you cash on your outstanding invoices, often within 24 hours.
Who it's for
Delivered the load. Still waiting on the check.
Payroll is Friday. Clients pay in 30 days.
Work is done. The billing cycle is not.
Government moves slow. Your business can't.
Orders are in. Cash is tied up in the pipeline.
You invoice other businesses and wait to get paid.
What you get
Traditional brokers are slow and charge you fees. Banks want collateral and perfect credit. Invoice factoring is different — your unpaid invoices are the collateral. Factyr finds the funder who specializes in your industry and gets you to the front of the line.
Answer four questions. Our AI finds your funder. 90 seconds, free to apply.
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