Accounts Receivable Financing

Transform Your Receivables into Growth Capital

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What to Expect

Accounts Receivable Financing at a Glance

Loan Amounts

$50,000 - $10,000,000 monthly volume

Terms

Flexible to match your business cycle

Rate

Competitive based on volume and terms

Payment Options

Up to 90% advance within 24 hours

Accounts Receivable Financing 101

What is Accounts Receivable Financing?

Accounts receivable financing converts your outstanding invoices into immediate working capital. Unlike traditional factoring, AR financing lets you maintain control of your customer relationships while accessing the capital locked in your receivables. This financing solution appears as an asset on your balance sheet rather than debt, helping maintain strong financial ratios.

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Our AR financing platform bridges payment gaps and maintains healthy cash flow by providing up to 90% of invoice value within 24 hours. This allows you to focus on growth rather than collections, with the flexibility to choose which invoices to finance.

How Does Accounts Receivable Financing Work?

The process is straightforward and efficient: submit your eligible invoices through our online portal and receive up to 90% of the value within 24 hours. As your customers pay their invoices according to normal terms, you receive the remaining balance minus a small financing fee. This creates a revolving source of working capital that grows with your business.

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Unlike traditional loans, qualification is based primarily on your customers' creditworthiness rather than your company's credit profile, making it an accessible option for growing businesses.

Benefits of Getting AR Financing Through Joseph Capital Network

Speed and Flexibility

Access funds within 24 hours of approval, with subsequent funding often available the same day. Choose which invoices to finance based on your cash flow needs, with no minimum utilization requirements.

Maintain Customer Relationships

Unlike factoring, AR financing allows you to maintain direct control of your customer relationships and collections process. We offer both notification and non-notification programs to suit your preferences.

Sophisticated Platform

Our comprehensive platform includes credit insurance, detailed reporting tools, and professional support. Access real-time reporting and account management through our secure online portal.

Growth-Aligned Financing

Your available funding grows automatically with your sales, providing the flexibility to take on larger contracts or expand into new markets without seeking additional approvals.

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Minimum Requirements to Qualify

Our AR financing programs are designed for B2B and government contractors seeking flexible working capital solutions. While we evaluate each situation individually, these are our main criteria:

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- Monthly invoice volume of $50,000+

- B2B or government customers

- Invoices less than 90 days old

- Clean invoice verification

- Creditworthy commercial customers

- No serious tax issues

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Understanding AR Financing Requirements

SBA loans are a great option for small businesses. They are backed by the federal government through the Small Business Administration which makes them more affordable than other business financing options. However, they are much more difficult to acquire with strict requirements and an abundance of paperwork. Here are the initial factors you must consider before applying for an SBA loan.

Business Requirements

Your business should generate qualifying B2B or government receivables from creditworthy customers. We work with most industries and can structure programs to match your business cycle.

Customer Requirements

We focus primarily on your customers' creditworthiness. Strong commercial or government customers with good payment history strengthen your application. We can typically work with customer concentrations and help diversify your portfolio over time.

Documentation Requirements

Basic documentation includes AR aging reports, customer lists, sample invoices, and business formation documents. Our streamlined process requires minimal paperwork compared to traditional loans.

If you meet these minimum requirements, you will then need to meet a plethora of additional financing and industry-based requirements that will be based on the size of the loan along with the intended use of the loan.