Calculate Your Invoice Financing

What is Invoice financing?

Invoice financing allows companies to sell their accounts receivable.  Invoice financing, is available to businesses  that invoice other business or government agencies (B2B) OR (B2G). You can sell your outstanding invoices for a fee upfront. It’s very transparent and the business owner could be in control of the cost, there is no front-loaded interest, the fees are generally equally distributed on a weekly or monthly basis.

Benefits of a fixed simple interest loans

  • Transparent easy to calculate total payback

  • Interest does not compound or accrue

  • You are In control of total payback

  • No communication between funding company and your customers

  • Easy to calculate return on investment ( ROI )

  • Loan amount

    $5,000 – $250,000

  • Payback over

    4,8,12,16 or 24 weeks

  • Fees

    25%-1.25% per week

How it works

You sell your select invoices to us at a discount, we can fund you up to 100% of your outstanding invoices within 1 business day. We simply verify your outstanding invoices that you would like to sell, and deposit the funds directly into your bank account.

We can provide invoice financing to businesses with net terms, 30, 60, 90,120 days, The fees are calculated on a weekly or monthly basis.

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    Fill Out our Merchant Application

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    Submit your Business bank statements & invoices

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    Select your Invoice financing offer

See what loans you qualify for

Invoice Financing versus Invoice factoring

  • Invoice financing collects payments form your business not your customers, So your customers are not aware of the arrangement as oppose to invoice factoring which your customers will be aware of your company selling your outstanding invoices.

  • Invoice Factoring offers greater flexibility, than invoice factoring The ability to sell your  invoice for up to 24 weeks, While having flexibility to payoff anytime  from 1-23 weeks With invoice financing the fee is eventually distributed on a weekly basis, not front loaded like business loans or merchant cash advances. Invoice Financing should be looked at as a hybrid product between Invoice Factoring and a Business loan.


Invoice financing cost?

Our weekly rates start at 0.375%, which is equal to 1.5% per month, the repayments can range anywhere between 4,8,12,16 or 20 weeks.

Example below is a fixed 2% per month

Invoice Financed term 1 Month 2 Month 3 Month 4 Month 6 Month
Invoice Financed $ 20,000.00 $ 20,000.00 $ 20,000.00 $ 20,000.00 $ 20,000.00
Monthly Fee Rate 2% 2% 2% 2% 2%
Total Repayment $ 20,400.00 $ 20,800.00 $ 21,200.00 $ 21,600.00 $ 22,000.00
Total Fees $ 400.00 $ 800.00 $ 1,200.00 $ 1,600.00 $ 2,000.00
Total Weekly Payments 4 8 12 16 24
Weekly Payment 4,744.18 2,600.00 1,766.66 1,350.00 916.00

The cost is determined by several factors unlike invoice factoring, which only underwrites your customers ability to pay, Invoice financing programs does not get between you and your customers, so we will underwrite your ability to repay the advanced invoices, by looking at several factors. Our fees are tier priced depending on your risk score The fees could range anywhere between 1.5%-5% Per month.

Our advanced technology can look at few  data points once you submit your Application

Monthly revenue

Outstanding Invoices

Average daily balance

Fico score

Years In Business

Industry Type

Payoff of early?

The biggest advantage that invoice financing offers is flexibility in paying off the Invoice financing program at any time.  Unlike a merchant cash advance or business loan  the cost or the interest is front loaded. As a result,  there is no benefit in prepaying the MCA or the business loan.

Invoice financing offers many benefits.

Able to accept bigger orders

Get paid for slower customers

Pay Suppliers on time

Acquire new long term clients

Take advantage of discounted work

Who Qualifies?

Business that have outdating Invoices for the work or services they have performed, usually B2B Business.

B2B Examples types

  • Manufactures

  • Resellers

  • Government Contracts

  • Service providers

Minimum requirements/ Qualifications

Outstanding Invoices 1 +
Total Outstanding Invoices $10,000 +
Average Daily balance $10,000 +
Average Daily balance $1,500
Monthly Sales $12,500
Time in Business 6 Months +
Personal Credit 525 +

How is eFundex different

Efundex Competitors
Invoice Financed 100% 60-90%
Terms up to 24 weeks 90 days
Speed 1 Business day 2-5 Business days
Credit score 525 550
Time in Business 3 Months 2 Years
Costs 1.5%-5% per month 3-10% per month
Payoff early options Yes No

How to Apply

  • Fill out the online application and upload your last 4 Months of business bank statements or email them to us or you can fax them over as well to one of our account executives.