INVOICE FACTORING SOLUTIONS IN CANADA

Once your account is set up, funds are typically advanced within 24 business hours after invoice submission, ensuring you get the working capital you need without delay.

We will typically advance up to 90% of your invoice value with the remaining balance paid to you minus the small discounted fee once your customer settles the invoice.

We offer flexible agreements designed to meet your needs, whether you require short-term funding or a longer-term working capital solution.

In recourse factoring, you agree to buy back the unpaid invoice;

We take into account many factors, such as the creditworthiness of your customers, not your personal or your business' credit score, making it ideal for businesses with limited or developing credit histories.

We work with a wide range of industries, including manufacturing, construction, staffing, professional services, and more. If you invoice other businesses and offer credit terms, you likely qualify.

Our rates are competitive and customized based on your industry, invoice volume, customer payment terms, and risk profile. We maintain full transparency with a simple fee structure with no hidden fees.

We prioritize protecting and maintaining your customer relationships. Our professional team can handle collections discreetly (if requested) and follows proven processes to ensure smooth, respectful interactions. Most clients find that factoring actually strengthens their customer service by stabilizing cash flow and ensuring they can meet demand more consistently. You may also choose between notification (where your customers are informed of the factoring arrangement) or non-notification (where they are not directly notified). If you prefer non-notification, we provide an additional layer of security through an extra pledge, giving you peace of mind while keeping the arrangement confidential.

Yes. Invoice factoring can complement other financing methods, providing additional working capital without interfering with existing debt.

You have full control to select which invoices to factor,our flexible approach lets you tailor financing to your cash flow needs without long-term commitments.

Yes, our factoring solutions are perfect for seasonal businesses. Factor invoices during peak seasons to cover expenses or off-seasons to maintain steady cash flow, with no obligation to factor year-round.

Unlike an accounts receivable line of credit, which creates debt and requires repayment, invoice factoring provides immediate cash by selling your invoices without adding liabilities. Factoring also includes credit management and collections support, saving you time and resources.

It depends on whether your receivables have been pledged or encumbered by the Merchant Cash Advance provider. Invoice factoring requires unencumbered receivables, meaning no other financial institution should hold a claim over them. We recommend reviewing your existing obligations and consulting with our team to determine if a transition to invoice factoring is feasible and compliant.

Invoice factoring offers immediate liquidity by converting receivables into cash without adding debt. Unlike MCAs, which impose rigid repayment terms, factoring aligns funding with your actual revenue cycle.

Yes. Invoice factoring generally involves lower and more transparent costs. MCAs may appear fast but often carry effective annual rates exceeding 45%, plus hidden fees.