Get Paid Today
    Not in 90 Days

    Turn your outstanding invoices into immediate cash flow. Access up to 90% of your invoice value within 24 hours-no more waiting for slow-paying customers.

    Why choose invoice factoring?

    Bridge the cash flow gap and keep your business running smoothly.

    Fast Access to Cash

    Receive funds within 24-48 hours of invoice submission. No more waiting 30-90 days for customer payments.

    Improve Cash Flow

    Cover payroll, purchase inventory, or take on new projects without waiting for outstanding invoices.

    No New Debt

    This isn't a loan-it's an advance on money you've already earned. No impact on your credit or debt-to-income ratio.

    How invoice factoring works.

    1

    Submit Your Invoices

    Send us copies of your outstanding B2B invoices. We verify them with your customers.

    2

    Receive Your Advance

    Get up to 90% of the invoice value deposited into your account within 24 hours.

    3

    Customer Pays Invoice

    Your customer pays the invoice according to their payment terms (30, 60, or 90 days).

    4

    Receive the Balance

    Once paid, we send you the remaining balance minus a small factoring fee.

    Qualification requirements.

    Simple criteria to get started with invoice factoring.

    Business-to-business (B2B) invoices
    Creditworthy customers
    At least 3 months in business
    Minimum $10,000 in monthly invoicing
    No outstanding tax liens
    Clean invoices (no disputes)

    Ready to unlock your cash flow?

    Stop waiting for payments. Request a consultation today and explore funding options within 24 hours.

    The short answer

    Accounts receivable financing converts unpaid invoices into working capital, advancing roughly 80 to 90 percent of invoice value now and releasing the remainder, less a fee, when the customer pays. It prices off your customers credit quality rather than your own.

    Frequently asked questions

    What is the difference between factoring and AR financing?
    In factoring you sell the invoice and the factor collects from your customer. In AR financing you borrow against invoices and keep the collection relationship. Factoring is usually faster and easier to qualify for; AR lines are quieter with customers.
    What does receivables financing cost?
    Typical pricing is 1 to 3 percent of invoice value per 30 days outstanding. Effective cost depends on how quickly your customers pay, so days sales outstanding is the number to watch before signing.
    Who qualifies for AR financing?
    B2B and B2G businesses invoicing creditworthy customers on net terms. Because the lender underwrites your customers, a young business with strong commercial clients can qualify where a term loan would not.
    Will my customers know?
    With notification factoring, yes: payments are directed to a lockbox. Non-notification facilities exist for established businesses and keep the arrangement confidential, though they carry tighter eligibility.

    Important disclosures

    Kala Financial LLC is a business advisory and consulting firm and is not a law firm, CPA firm, registered investment adviser, broker-dealer, lender, or insurance carrier. Services are provided only under a written engagement agreement, and all credit decisions are made solely by lenders and capital providers.