Everything you need to know about invoice factoring and how it can fuel your business growth.
Factoring is not difficult to understand or use. Your company continues to operate and bill your customers in the usual way. Once you begin factoring, you simply send a copy of your invoices to BTB Capital.
BTB then provides you with a factoring advance of 80% of the face amount of the invoices. Once BTB is paid by your customer, the reserved 20% is released to your company, minus a small financing fee for the time the advanced funds were outstanding.
The factoring fee is based not on your company's financial strength — but on the quality of your customers' accounts and their creditworthiness. Fees can be as low as 2% of the invoice amount, depending on the level of risk and the time the invoice is outstanding.
New clients receive a 1% fee on your first 30-day funding. Get started today with no application fee and no monthly fees.
Complete our online application. Account setup typically takes 3–5 business days.
Continue billing your customers as normal. Send BTB a copy of those invoices.
We wire 80% of the invoice value directly to your bank account in 12–24 hours.
Your customer pays the invoice to BTB. We release the remaining 20%, minus our fee.
No. When you factor invoices, you are selling your receivables — not borrowing money. You incur no debt and make no monthly payments.
No. You control which invoices to factor and when. There are no minimum requirements, giving you complete flexibility.
Fees start as low as 2% of the invoice amount. The rate depends on your customers' creditworthiness and how long invoices are outstanding.
After your account is set up (3–5 business days), you can typically receive funding within 12–24 hours of submitting invoices — sometimes the same day.
We work with manufacturers, wholesalers, distributors, service companies, staffing agencies, trucking companies, and more.
We actively support your transition to traditional bank financing. We work with many bank partners who can make that process smooth and easy.