Invoice Factoring

Loan Amount

Up to 90% of Receivables

Time to Funds

As Soon as 24 Hours

Loan Term

Up to 1 Year

Factor Rate

As Low as 2%

The only solution to beating unpaid invoices

Did you know that on average small businesses have more than $80,000 in unpaid invoices? That’s a lot. Especially when the biggest challenge small businesses face is cash flow. That’s where invoice factoring comes in. You can gain instant access to cash by selling your purchase orders, so you’ll never run the risk of falling behind on payroll, monthly obligations, or paying off creditors.


Use Invoice Factoring to receive a steady stream of fast, reliable capital in a pinch.

If your business is facing a shortage in cash flow, Invoice factoring is a viable solution. Besides some desirable factor rates, you can focus your energy on growing your business, not chasing down unpaid debts owed to you.

You can qualify with good or (even bad credit)

The beauty of invoice factoring—your credit score dosen’t influence whether you’re approved or not. Instead, the focus gets placed on the credit of the client who owes you money, the biggest deciding factor that determines whether the financial lender will get paid. This underlines why it’s critical for you to conduct business with honest, creditworthy people. Or find yourself caught between a rock and a hard place, and risk getting crushed. If you do ever find yourself in this type of jam where you need to use invoice factoring, dealing with reliable clients come with benefits (besides paying you back on time), but good financial health that can afford you better financing options. You can apply for invoice factoring financing in a matter of minutes. Simply fill out our application, then compare options from dozens of leading lenders.

Average Loan Amount

Up to 100% of Inovice Value

Loan Term

Until Fully Paid

Factor Fee

Starting at 10%

Time Needed

Starting at 1 Day

Don’t let bad credit stand in your way from applying

Documentation Needed:

  • Application
  • 3 Months of Business Bank Statements
  • Accounts Receivable Aging Report
  • Business Profit & Loss Statements
  • Business Balance Sheet


  • $250,000 in annual revenue
  • 1+ Year in business
  • Unpaid Invoices

How to Apply for Invoice Factoring

Whether you’re looking to replace old equipment or upgrade, our Proto Financial team will work with you to find the best
equipment financing loan on the market that adheres to your business goals and budget.