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Invoice Factoring F.A.Q.

Is accounts receivable factoring a new financing option?
Accounts receivable funding is one of the oldest forms of financing. It has been around in one form or another for more than 4,000 years. Today, factoring is a widely used and viable financing solution for all types of businesses that extend credit terms to their customers.

Can I factor just some of my invoices?
Yes, you can factor only the invoices that you choose from your credit-worthy customers.   

How can accounts receivable factoring help my business grow?
By providing an immediate source of cash flow for your company.  You can use this cash to provide working capital, meet payroll, pay taxes, replenish inventory, increase advertising, purchase equipment, improve your credit rating and more.

How long does it take to receive funding?
The application phase takes 3-5 business days, then after the initial funding, your company will usually receive funds by ACH after 24-48 hours on factored invoices.

How is factoring different than financing through a bank?
When making a funding decision, we focus on the credit-worthiness of your customers, while banks focus on your company's financial history and cash flow.  Plus, since invoice factoring is not a loan, there is no debt on your company's balance sheet.  Best of all we can make a decision in days, not months like a bank.

American Capital Services
Phone: 866-450-8015
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