Even strong, financially stable businesses can face cash flow gaps. Customers might take 30, 60, or even 90 days to pay their invoices—meanwhile, payroll, rent, inventory, and supplier costs don’t wait.
In those moments, you need working capital you can rely on. That’s where factoring comes in. At Interstate Business Capital (IBC), we help businesses turn unpaid invoices into immediate cash—giving you the freedom to cover expenses, pursue new opportunities, and keep growth on track.
How Factoring Works
Factoring (also called accounts receivable financing) is a straightforward process designed to give you quick access to cash:
- You deliver products or services and issue an invoice.
- IBC advances you 75–90% of the invoice value upfront.
- Your customer pays their invoice directly.
- Once payment is received, we send you the remaining balance—minus a small fee.
Because approval is based on your customers’ creditworthiness, not your personal or business credit, factoring is faster, simpler, and more accessible than traditional bank loans.
At IBC, we’ve designed our approval process to be streamlined and transparent—minimal paperwork, quick decisions, and no hidden surprises.
Why Factoring Makes Sense
Factoring is an ideal solution when:
- You need funding faster than a traditional loan can provide.
- You want minimal paperwork and fewer restrictions than banks require.
- You have slow-paying but reliable customers.
- You’re working to grow your business but don’t want to add debt.
- Your personal or business credit history makes bank financing a challenge.
At IBC, we see factoring as more than just a cash flow tool—it’s a growth strategy. Our clients use factoring to fund expansions, bring on new talent, take on bigger contracts, and build stability in industries where long payment cycles are the norm
Funding That Keeps Pace
Business moves quickly, and opportunities don’t wait. Whether you’re:
- Onboarding a new client and need upfront cash to scale,
- Restocking inventory before busy season hits, or
- Expanding your team to handle new projects
Factoring through IBC ensures you have the funds in place to act—often within 24 to 48 hours. The cost of waiting on receivables can be missed opportunities, delayed growth, and unnecessary stress. IBC helps you avoid all of that.
Why Choose Interstate Business Capital?
At Interstate Business Capital, we’re committed to being a true partner—not just a funding source. That means:
- Transparent Terms: Clear fees and contracts, no hidden costs.
- Tailored Solutions: Flexible structures to fit your industry and cash flow needs.
- Reliable Funding: Fast, consistent advances you can count on.
- Dedicated Support: A team that guides you through every step of the process.
Whether you’re new to factoring or experienced with accounts receivable financing, we make the process simple and stress-free. Many of our clients tell us they value not just the funding, but also the peace of mind that comes from knowing IBC is in their corner.
The Bottom Line
Factoring isn’t just for businesses in crisis—it’s a smart financial tool for companies that want to grow without being held back by slow-paying customers. With IBC as your factoring partner, you gain more than cash flow—you gain the flexibility, confidence, and support to focus on running and expanding your business.
Ready to see if factoring is the right fit? Contact Interstate Business Capital today. We’re here to help you bridge cash flow gaps, unlock growth, and succeed on your terms.
