When your business is growing, but your cash flow isn’t keeping up, invoice factoring can be the financial lifeline you need. Unlike traditional loans, factoring provides immediate access to working capital—without adding debt to your balance sheet.

Whether you run a staffing agency, trucking operation, construction business, or manufacturing company, invoice factoring gives you fast, flexible cash to keep operations running smoothly.

What Is Invoice Factoring?

Invoice factoring (also known as accounts receivable factoring) is a financial service where your business sells unpaid customer invoices to a factoring company—like Catamount Funding—in exchange for immediate cash. You get paid now, and the factoring company collects payment from your customers later.

8 Key Benefits of Invoice Factoring

Convert Unpaid Invoices into Fast Cash

Instead of waiting 30, 60, or 90 days for clients to pay, you can get immediate funding—typically within 24–48 hours—by factoring your receivables.

Improve Cash Flow Without Adding Debt

Factoring is not a loan. That means no new liability on your balance sheet, and no interest payments eating into your profits.

Maintain Ownership and Equity

You don’t have to give up shares or take on investors. Invoice factoring lets you grow your business without sacrificing equity.

Strengthen Vendor and Supplier Relationships

With consistent cash on hand, you can pay vendors on time—or even early. That improves your creditworthiness and can unlock early-payment discounts.

Easier Qualification Than Traditional Loans

If you’ve struggled to qualify for a bank loan or line of credit, factoring could be a smart option. Approval is based more on your customers’ credit than yours.

Fund Growth Without Collateral

Unlike asset-based loans, factoring doesn’t require you to put up real estate, equipment, or other business assets as collateral.

Save Time and Resources with A/R Support

Catamount doesn’t just fund invoices—we help manage collections, so your team can stay focused on growing the business.

Fast, Simple Application Process

Our application process is straightforward, and most approvals are made within 48 hours. Once set up, you can receive up to 85% of your invoice value right away.

Who Benefits from Invoice Factoring?

Factoring works especially well for businesses that:

• Experience long payment cycles
• Face seasonal slowdowns
• They are growing faster than their cash flow
• Have strong sales but limited access to traditional credit

Industries like staffing, transportation, construction, oilfield services, and manufacturing often rely on invoice factoring to fund daily operations.

Why Choose Catamount Funding?

We’re a seasoned U.S.-based factoring company with deep experience helping small and mid-sized businesses improve cash flow and accelerate growth. Our personalized approach, fast approvals, and transparent terms make us a trusted partner—not just a funder.