Per Invoice
Finance individual invoices as you need. No long-term commitment required.
Invoice Financing
You’ve done the work. Your customer just hasn’t paid yet.
Get up to 90% of your outstanding invoices’ value as soon as same day. Stop financing your customers’ payment terms out of your own cash flow.
Apply now
Applying will not impact your credit score.
- No credit check on your customers
- Funded against your invoices, not your credit score
- No hard credit pull on you
Simple, fast, and clear
28,000
+
Businesses funded
85
%
Approval rate
Up to
90
%
of invoice value
4.9
Trustpilot rating
How Invoice Financing Works
Invoice financing, also called accounts receivable financing, is a way to access the value of outstanding invoices immediately rather than waiting for customers to pay. When a B2B business delivers goods or services and issues an invoice, that invoice represents real, earned revenue, but most commercial clients pay on net-30, net-60, or even net-90 terms. In practice: you run a staffing agency, place workers at a client site, and submit your invoice for $60,000, which your client’s accounts payable department will process in 45 days. Payroll for those workers is due in five days. Invoice financing advances you the majority of that $60,000 immediately. Your customer pays on their normal schedule, and you repay the advance when that payment clears.
SBG Funding advances up to 90% of your outstanding invoice value. Unlike a business line of credit or business term loan, invoice financing approval is based primarily on the creditworthiness of your customers rather than your own credit score. SBG Funding’s 500 FICO minimum still applies, but an invoice financing decision weighs your customers’ credit far more heavily than your own.
Banks rarely offer invoice financing to small businesses, and when they do the requirements are built for established companies with long credit histories. A bank assesses the borrower; invoice financing assesses the receivable. Banks aren’t built to evaluate a rolling book of commercial invoices at the speed a growing B2B business bills, which means the businesses whose receivables are growing fastest are the ones a bank is slowest to serve. SBG Funding performs no hard credit pull when you apply. Approval is based on the quality of your outstanding invoices and your customers’ payment history, and most applications are reviewed the same business day.
Invoice Financing at a Glance
Up to 90%
Available financing amount based on your outstanding invoice value.
Same-Day Access
Funds advanced against your invoices the same day you apply.
Compare your options
See how SBG Funding stacks up against other financing sources.
Funding Speed
Funding Amount
Hard Credit Pull
Min. Annual Revenue
Min. Credit Score
Collateral Required
Time in Business
Dedicated Advisor
Documents Needed
Application Time
Traditional Bank
30-90 days
$50K-$5M
Always
$250K+
680+ FICO
Often
2+ years
Never
Full financials + tax returns
Days to weeks
Other Online Lenders
2-7 days
$5K-$500K
Usually
$100K-$250K
550-600+ FICO
Sometimes
1+ year
Sometimes
Varies
1-3 days
Funding Speed
Funding Amount
Hard Credit Pull
Min. Annual Revenue
Min. Credit Score
Collateral Required
Time in Business
Dedicated Advisor
Documents Needed
Application Time
Your invoices
Traditional Bank
30-90 days
$50K-$5M
Always
$250K+
680+ FICO
Often
2+ years
Never
Full financials + tax returns
Days to weeks
Apply Now
Won’t affect your credit score.
What Businesses Use Invoice Financing For
Any B2B business that invoices commercial clients can use invoice financing. Here are the most common use cases.
When Invoice Financing Is the Right Choice
Invoice financing is purpose-built for B2B businesses that bill on terms. If your customers pay invoices rather than paying at the point of service, this product is designed for your cash flow structure.
You’re Extending Credit to Your Customers Without Meaning To
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.
Your Costs Are Weekly and Your Collections Are Monthly
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 line of credit or taking on long-term debt.
You’re Growing Faster Than You’re Collecting
When a business wins new contracts faster than its invoice collections can keep up, invoice financing scales with revenue. The more you invoice, the more you can advance, which makes it one of the few financing products that grows naturally with your business without a new application each time your needs increase.
All you need to Qualify
- No credit check on your customers
- 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.
$150K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
Just 3 Steps to Get Funded
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.
1
Get Your Options
Our team reviews your application and presents invoice financing options matched to your business profile. We look at revenue, deposit history, and time in business — not just your credit score.
2
Receive your funds
Once approved and documents are signed, funds can be in your business bank account in as little as 24 hours.
3
28,000+
Businesses funded
$3B+
Funded since 2017
via Trustpilot
Maya was amazing. Attentive and knowledgeable. She gave quick responses. Definitely would recommend her and SBG funding to anyone.
“One of my clients was in need of an immediate working capital injection to ensure they had sufficient cash flow to operate the day-to-day activities of their construction business until some A/R came in.”
5×
Inc. 5000 honoree
via Better Business Bureau
Easy to deal with and fast response no one else I’d rather deal with when it comes to my business funding.
4.9
Trustpilot rating
A
BBB rating
via Trustpilot
Process was incredibly easy. Mitchell Zerman was patient, helpful and answered every question I had!
85%
Approval rate
via Better Business Bureau
When challenges came up, he didn’t back down; he found solutions and kept me in the loop every step of the way. Thanks to his extra effort, I secured the loan I needed. I’m so grateful for his help and would absolutely recommend him to anyone.
4.9
Google rating
via Better Business Bureau
If you’re looking for someone who genuinely works hard for their clients, I highly recommend him!
Frequently Asked Questions
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 rather than 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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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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No traditional collateral is required. Your outstanding invoices serve as the basis for the advance, so 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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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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Invoices issued to creditworthy commercial clients, including 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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SBG Funding advances up to 90% of invoice value. Your specific advance rate depends on the invoice quality, your customer’s creditworthiness, and your business profile. Fees typically run 0.5% to 5% per month against the advanced amount, with origination between 0% and 2%. Your funding specialist will confirm the exact rate for your invoices before you commit.
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No. SBG Funding’s invoice financing is confidential, so 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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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, so you can choose which outstanding invoices to advance against based on your cash flow needs.
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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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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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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.
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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 obligation.
Applying will not impact your credit score.