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Stop waiting 30, 60, or 90 days to get paid. Access the money you've already earned — today.
Invoice Factoring: Turn Unpaid Invoices into Immediate Cash
Invoice factoring is a financial transaction and a type of debtor finance. In an invoice factoring account, a business sells its accounts receivable (invoices) to a third party (called a factor) at a discount. A business will sometimes factor its receivable assets to meet its present and immediate cash needs.
What It Is
A strategic financial tool where you convert your outstanding B2B invoices into instant working capital by selling them to a specialized funder at a small discount.
Key Benefits
- Boost Cash Flow: Get paid in 24 hours instead of 90 days.
- No New Debt: You aren't taking a loan; you're selling an asset.
- Easier Qualification: Based on your customers' credit, not just yours.
- Fuel Growth: Use the cash to take on larger contracts immediately.
How It Works
01
Complete the Work
Invoice your customer as usual for the services or goods delivered.
02
Factor the Invoice
Submit the invoice to Xander Capital. We verify the details and advance you up to 90% of the value.
03
Get the Balance
Once your customer pays the invoice to us, we send you the remaining balance (minus a small fee).
Who It’s Best For
- B2B Companies: If you sell to other businesses or government agencies.
- High-Growth Startups: When your growth outpaces your available cash.
- Slow-Paying Cycles: Businesses that wait 30–90 days for payments.
- Credit Challenges: Companies with limited credit history but strong customers.
Case Study
Real-World Example
A commercial cleaning company landed a massive contract but couldn't afford a new 20-person crew while waiting 60 days for payments. By factoring their invoices, they accessed payroll funds in 24 hours. This allowed them to accept the job, cover all expenses, and grow their revenue by 300% in one year.
Invoice Factoring FAQ
Is this a loan?
No. It is the purchase of an asset (your accounts receivable). You aren't creating debt on your balance sheet; you're simply accelerating your own cash.
Does my customer know?
In most factoring arrangements, the customer is notified where to send payments. Most B2B customers are very familiar with this standard business practice.