Get paid now, not in ninety days.
Sell your unpaid B2B invoices for cash today instead of waiting on net-30, 60, or 90 terms. Approval rides on your customers’ credit, not yours — so even young companies qualify.
- Advance
- Up to 90%
- Term
- Per invoice
- Min credit
- Flexible
- Funded in
- 1–2 days
Is this the right tool?
We earn more on some products than others — so the only way you can trust a recommendation is if we tell you when to walk away. Here is exactly who this is, and isn't, for.
- You invoice other businesses on net terms
- Slow-paying customers are choking your cash flow
- Your own credit is thin but your clients pay reliably
- You’d rather sell receivables than take on debt
- You sell to consumers, not businessesBetter fit: Merchant Cash Advance →
- You want a fixed lump sum to investBetter fit: Term Loan →
- You need reusable, on-demand cashBetter fit: Line of Credit →
What it actually costs.
One worked example, every line shown — including what we earn. No teaser rate, no fine print. Want to run your own numbers? The calculator does it live.
You get 90% up front and the remaining 10% — minus the fee — when your customer pays. The fee is a small percentage per 30 days, not an interest rate. Emet’s share is disclosed before you factor.
Eligibility & documents.
The honest minimums and the exact paperwork — so you know whether to apply and what to gather before you do.
- You invoice other businesses (B2B)
- Creditworthy customers on net terms
- No major tax liens on the receivables
- Personal credit is flexible — customer credit matters most
- Driver’s license & voided check
- Sample invoices and an A/R aging report
- Customer list with payment terms
- Last 3 months business bank statements
- STEP 1Apply4 minutesSoft pull, customer credit reviewed
- STEP 2Set up1–2 daysFacility and advance rate agreed
- STEP 3Submit invoicesOngoingUpload as you bill
- STEP 4Funded24–48 hrsUp to 90% advanced per invoice
Compared with the alternatives.
The two products people weigh this against most often. Same numbers as our Rate Library, so the comparison is apples to apples.
Invoice FactoringThis page Sell receivables | Line of Credit Draw as needed | Revenue-Based Flexes with revenue | |
|---|---|---|---|
| Rate | 1.0–3.0% / invoice | 9.9–28.0% APR | 1.10–1.45 factor |
| Amount | $10K–$5M | $10K–$250K | $10K–$500K |
| Funded in | 1–2 days | Same day | Same day |
| Best for | Unpaid B2B invoices | Flexible safety net | Flexible fast cash |
| Apply now → | View Line → | View Revenue-Based → |
Questions, answered.
Whose credit is checked — mine or my customers’?
Primarily your customers’. Because they’re the ones paying the invoice, factoring approves businesses with thin or bruised owner credit that other products would decline.
Will my customers know?
Usually yes — with notification factoring, payments are remitted to the factor. Non-notification options exist for some accounts; we’ll tell you which applies before you start.
Is this a loan?
No. You’re selling an asset — the invoice — not borrowing against it. There’s no fixed monthly payment and nothing on your balance sheet as debt.
What does it cost?
A fee of roughly 1–3% per 30 days the invoice is outstanding. The faster your customer pays, the less you pay. Emet earns 0.5–1.0% of face value, disclosed up front.
Do I have to factor every invoice?
Not necessarily. Spot and selective factoring let you choose which invoices to sell, though whole-ledger facilities usually price better. We’ll lay out both.
See your real rate today.
Answer seven questions and we’ll shop 40+ lenders for you — side-by-side offers, every fee disclosed, our cut shown. No hard pull until you accept.