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Invoice Financing at a Glance
Per Invoice
Finance individual invoices as you need — no long-term commitment required.
$5,000–$1,000,000
Available financing amount based on your outstanding invoice value.
Same-Day Access
Funds advanced against your invoices the same day you apply.
How Invoice Financing Works
Invoice financing — also called accounts receivable financing — lets you access the value of outstanding invoices immediately rather than waiting for your customers to pay. When a B2B business delivers goods or services and issues an invoice, that invoice represents real, earned revenue. The problem is that most commercial clients pay on net-30, net-60, or even net-90 terms. Invoice financing closes that gap: you receive the majority of the invoice value upfront, your customer pays on their normal schedule, and you repay the advance when that payment clears.
Here’s what that looks like in practice: you run a staffing agency. You place workers at a client site, submit your invoice for $60,000, and your client’s accounts payable department will process it in 45 days. Meanwhile, you have payroll due in five days for the workers you just placed. You’ve already done the work. You’ve already earned the money. The only problem is that it isn’t in your account yet. Invoice financing advances you the majority of that $60,000 immediately — you cover payroll, take the next placement, and repay the advance when your client’s payment arrives.
SBG Funding advances funds against outstanding invoices from $5,000 to $1,000,000. Unlike a business line of credit or business term loan, invoice financing approval is based primarily on the creditworthiness of your customers — not your own credit score. If your clients are creditworthy businesses that pay their invoices, your invoices have value that can be advanced immediately. No minimum credit score is required on the invoice financing product itself.
SBG Funding does not perform a hard credit pull during the application process. Approval is evaluated based on the quality of your outstanding invoices and your customers’ payment history — not your personal or business credit score. Most applications are reviewed the same business day they are submitted.
Why Businesses Choose SBG Funding for Invoice Financing
Banks rarely offer invoice financing to small businesses. When they do, the process is slow and the requirements are designed for established companies with long credit histories — not growing B2B businesses managing cash flow gaps.
SBG Funding
Traditional Bank
When Invoice Financing Is the Right Choice
Invoice financing is purpose-built for B2B businesses that bill on terms. If your customers pay invoices — not at the point of service — this product is designed for your cash flow structure.
Your Cash Flow Has a Recurring Gap
If you invoice commercial clients and wait 30 to 90 days for payment, you are effectively extending credit to your customers out of your own cash flow. Invoice financing ends that arrangement — you receive the value of outstanding invoices immediately, your customers pay on their normal schedule, and your cash flow is no longer held hostage by someone else’s accounts payable process.
You Need Capital on Standby, Not a Lump Sum
Payroll, supplier payments, and operating costs don’t align with 45-day invoice cycles. When revenue is earned but not yet collected, invoice financing bridges the gap — keeping your team paid and your operations running without drawing down a business line of credit or taking on long-term debt.
You Need to Move Fast on an Opportunity
When a business is winning new contracts faster than its invoice collections can keep up, invoice financing scales with revenue. The more you invoice, the more you can advance — making it one of the few financing products that grows naturally with your business without requiring a new application each time your needs increase.
What Businesses Use Invoice Financing For
Any B2B business that invoices commercial clients can use invoice financing. Here are the most common use cases.
Payroll and Staffing Costs
Staffing agencies, consultancies, and professional services firms place workers or deliver services weeks before client payments arrive. Invoice financing covers payroll immediately — without borrowing against anything other than the revenue already earned.
Freight and Logistics
Carriers and freight brokers deliver loads and submit invoices that take 30–45 days to process. Invoice financing advances the value of freight invoices so fuel, driver pay, and operating costs don’t wait on broker payment cycles.
Construction and Contracting
Contractors complete work on commercial projects and submit draw requests that can take weeks to process. Invoice financing against approved draw invoices keeps materials orders and subcontractor payments on schedule.
Manufacturing and Wholesale
Manufacturers and distributors ship goods to commercial buyers on net-60 or net-90 terms. Invoice financing covers the production and shipping costs upfront so the next order cycle isn’t delayed by the last one’s unpaid invoices.
Professional and Business Service
Marketing & accounting agencies, IT firms, and other professional services businesses bill on completion or on monthly retainers — with payment terms that rarely match operating cost schedules. Invoice financing bridges the billing-to-collection gap.
Healthcare and Medical Billing
Medical practices and healthcare providers that bill insurance companies or government payers face reimbursement timelines that can stretch 45–90 days. Invoice financing against outstanding claims advances the revenue already earned — keeping payroll and supplier payments on track.
All You Need to Qualify
$250K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
No collateral. No hard credit pull. No upfront fees.
Invoice financing approval is based primarily on the value and quality of your outstanding invoices and the creditworthiness of your customers — not your own credit score. Businesses with strong invoice volume and creditworthy commercial clients may qualify regardless of their personal credit history.
What Business Owners Are Saying
Real businesses. Real results.
★★★★★
“I had an excellent experience working with Alec at SBG Funding. Alec took the time to understand my specific business needs and moved quickly and efficiently to secure the financing I needed. His communication was clear, consistent, and honest throughout the entire process, which made everything straightforward and stress-free. What stood out most was his responsiveness and follow-through. He didn’t waste time, or overpromise. Just solid execution.”
Steve T. from Pennsylvania
via Trustpilot
★★★★★
“I’ve had one of the best lending experiences in my 13 years of owning a small business. Alex with SBG Funding really worked to present multiple options that met our goals without any pressure to make a decision. I’m extremely happy with the deal we got through SBG and will be working with them again if and when we have future funding needs.”
Michelle O. from New York
via Trustpilot
Just 3 Steps to Get Funded
01
Apply Online
Complete our quick online application in about 5 minutes. Basic information about your business and financing needs — no lengthy paperwork to get started.
02
Get Your Options
Our team reviews your application and presents loan options matched to your business profile. We look at revenue, deposit history, and time in business — not just your credit score.
03
Receive Your Funds
Once approved and documents are signed, funds can be in your business bank account in as little as 24 hours.
Frequently Asked Questions
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Can I get invoice financing with bad credit?
Yes. Invoice financing is one of the most accessible financing products for businesses with imperfect credit — because approval is based primarily on the creditworthiness of your customers, not your own credit score. SBG Funding requires a minimum FICO score of 500, but a strong invoice portfolio with creditworthy commercial clients can support approval even with a lower personal credit score.
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How quickly can I get funded?
After approval and document submission, funds can be available in as little as 24 hours. The online application takes about 5 minutes, and most applicants receive a decision the same business day.
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Do I need collateral for invoice financing?
No traditional collateral is required. Your outstanding invoices serve as the basis for the advance — the invoices themselves are what you are financing against. You are not required to pledge real estate, equipment, or other business assets.
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What is the difference between invoice financing and invoice factoring?
Invoice financing (also called accounts receivable financing) means you borrow against your invoices while retaining ownership of them and collecting payment from your customers yourself. Invoice factoring means you sell your invoices outright to a third party, which then collects payment directly from your customers. Invoice financing keeps your customer relationships intact and is generally less expensive than factoring, but requires you to repay the advance when your customer pays you.
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What types of invoices qualify for financing?
Invoices issued to creditworthy commercial clients — businesses, government entities, or other organizations — for goods or services already delivered are eligible. Invoices must be undisputed, not already pledged as collateral elsewhere, and issued by your business to a third-party customer. Consumer invoices (issued to individuals rather than businesses) are typically not eligible for invoice financing.
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What percentage of the invoice value do I receive upfront?
The advance rate — the percentage of the invoice value you receive upfront — varies based on the invoice quality, customer creditworthiness, and your business profile. Contact your funding specialist for the specific advance rate applicable to your invoices.
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Does invoice financing affect my relationship with my customers?
No. SBG Funding’s invoice financing is confidential — your customers continue to pay you directly on their normal schedule. There is no notification to your customers that you have financed their invoices, and your billing and collection relationship with them is unchanged.
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Can I finance invoices from multiple customers?
Yes. You can finance invoices from multiple commercial customers simultaneously, subject to approval on each customer’s creditworthiness. You are not required to finance all of your invoices — you can choose which outstanding invoices to advance against based on your cash flow needs.
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What happens if my customer doesn’t pay the invoice?
You are responsible for repaying the advance regardless of whether your customer pays. Invoice financing is not the same as non-recourse factoring — SBG Funding advances funds against your invoice, and if your customer fails to pay, you remain obligated to repay the advance. We recommend financing invoices from customers with a strong, consistent payment history.
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How is SBG Funding different from a bank?
The primary differences are speed, flexibility, and qualification criteria. Banks typically require 2–8 weeks for approval, collateral, a hard credit pull, and often a FICO score above 680. SBG Funding makes same-day decisions, requires no collateral, performs no hard credit inquiry, and accepts FICO scores of 500+. We evaluate more than 50 factors — including your revenue history and deposit patterns — rather than relying primarily on credit score.
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What documents do I need to apply for invoice financing?
To get started, you need your 4 most recent business bank statements and copies of the outstanding invoices you want to finance. We may also request documentation showing that the goods or services have been delivered and the invoices are undisputed. No lengthy business plan or audited financials are required to begin the process.
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Can I use invoice financing alongside a business line of credit?
Yes. Invoice financing and a business line of credit serve different purposes and can be used simultaneously. Invoice financing advances funds against specific outstanding invoices. A line of credit provides revolving access to general working capital. Many businesses use invoice financing to cover their largest individual invoice gaps and a line of credit for ongoing operational cash flow. Contact your funding specialist to discuss the right combination for your business.
Stop Waiting on Your Customers to Pay You
If your business invoices commercial clients and waits 30 to 90 days for payment, invoice financing puts that money in your account the same day — without borrowing against anything other than revenue you’ve already earned. Apply online in minutes. No hard credit pull, no collateral, no obligation.
