Turn slow receivables into cash flow now.
Instead of selling your invoices, borrow against the revenue they represent — faster to set up, and your customer relationships stay entirely yours.
About invoice factoring
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.
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
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. On a partner-lender deal, Emet earns 0.5–1.0% of face value, disclosed up front. When MPS funds the invoice in-house instead, Emet earns no share at all — MPS earns the factoring fee printed on that offer.
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.
Get capital working now.
Answer seven questions and we’ll match you with faster capital you can use today — side-by-side offers, every fee disclosed, our cut shown. No hard pull until you accept.