Invoice factoring for growing businesses

Get paid this week, not in 60 days.

Turn unpaid invoices into working capital for payroll, inventory and new work. We compare factoring programs from several funders and match you with the one that fits your customers and volume.

Get a funding quote See how it works

Who we help: Staffing firms Distributors Manufacturers Government contractors B2B services

How it works

Tell us about your invoices

A short form and a quick call: who you bill, how much, and how long they take to pay.

We find the right partner

We compare factoring companies that fit your industry and invoice size, and lay out their terms side by side.

Get funded

Once the funder approves your customers, you receive cash against your invoices and keep working.

Industries

Good customers, slow checks

Factoring approval leans on your customers' ability to pay more than your own credit history, so it works for growing companies a bank can't serve fast enough.

Staffing firms

Payroll goes out every week while clients pay in 30 to 60 days. Factoring covers the gap so you can take on new placements.

Light industrial · healthcare · IT · facilities

Distributors & manufacturers

Higher inventory and freight costs tie up cash. Turn open invoices into working capital without adding a term loan.

Wholesale · food · industrial supply

Government contractors

Agency payments slow down during budget fights. Keep crews paid while invoices sit in processing.

Security · janitorial · facilities · transport

FAQ

Is factoring a loan?

No. The funder buys your invoices at a discount. You get an advance now, and the rest, minus the fee, when your customer pays. Nothing is added to your balance sheet as debt.

What does it cost?

Fees are usually a percentage of the invoice for each 30 days it's open, and vary by industry, volume and your customers' credit. We show you each funder's full terms, including any extra fees, before you sign anything.

What's the difference between recourse and non-recourse?

With recourse, you buy back an invoice your customer doesn't pay after an agreed period. Fees are lower. With non-recourse, the funder absorbs the loss if your customer becomes insolvent. Fees are higher, and disputes usually still fall on you.

What do I need to apply?

Accounts receivable aging report
Last three months of business bank statements
Customer list with payment terms, and a few sample invoices
Formation documents and owner ID

Will checking my options affect my credit?

No. Sending us your information doesn't trigger a credit pull. A funder may review credit once you choose to apply with them.

For CPAs, bookkeepers & bankers

A place to send the clients you can't fund

When a profitable client is short on cash while waiting on receivables, or a bank has to decline a working-capital request, send them here.

Your client relationship stays yours. We don't touch tax, advisory or deposit relationships.
Plain-language summary of each offer for you and your client.
Status updates at application, approval and first funding.

Start a partner conversation

Get a funding quote

Tell us about your receivables

A 15-minute call is usually enough to know whether factoring fits and which funders to approach.

Founded by Sophia Espinoza, who has run her own commercial services company and spent a decade in construction operations.

sophia@slipformfunding.com(303) 396-8303