Find your industry
Specialized funding for your specific A/R structure
Invoice Factoring, Clarified.
Invoice factoring and A/R-based working capital up to $10M, structured around your customers and receivables, not traditional bank underwriting.
Trusted by CFOs, controllers, and owner-operators across staffing, manufacturing, transportation, and construction.
- 600+businesses funded
- $900M+invoices purchased
- 97%fund again
Estimate your advance
- Advance, funded the same day you submit
- $212,500
- Reserve, paid to you when your customer pays
- $37,500
- Est. fee, taken from the reserve
- −$5,875
- Total you receive
- $244,125
Estimate only. Advances run 70–97% by industry; your exact rate and fee are in your written proposal. No credit check to start.
Get Started
What brings you here today?
Select the situation that fits — we'll route you to the right solution.
Cover payroll this Friday
Fund staffing invoices in hours, not weeks
Bridge a slow-paying customer
Turn Net-30/60 invoices into immediate cash
Fund a new contract
Take on work your cash flow can’t currently support
Handle a larger deal
Asset-based lending for complex working capital needs
Traditional Banks
- Lengthy application forms
- Hidden fees & confusing terms
- Wait 30–90 days for payment
- Personal Credit Checks
Why Sigma
Funding on a Different Standard
The Sigma Way
- Set up in 24–48 hours, then same-day funding on every invoice
- Transparent fees
- Optional credit insurance against customer non-payment
- Take on contracts your competitors can't fund
- Scale your operation without diluting equity or adding debt
From Invoice to Cash
Funding on Autopilot
From invoice to cash in four simple steps. Every step is transparent, every timeline is real. Hours, not weeks.
step # 01
5 minutes
Submit
Submit your invoices and basic business info through our secure portal. No lengthy paperwork, no credit check required to start.
step # 02
same day
Verify
Our underwriters verify your invoice details and your customer's credit profile. Human decision-makers — not an algorithm.
step # 03
before you sign
Approve
Receive transparent terms — advance rate & fee stated clearly. No surprises, no hidden fees, no fine print.
step # 04
same day
Funded
Setup typically takes 24–48 hours from signup. After that, invoices you submit are funded the same day.
Why Businesses Choose Sigma Over Traditional Lenders
Credit Insurance Options
Add optional credit insurance to protect against a customer who doesn't pay, whether they go bankrupt or simply never pay.
Professionally Managed Collections
We handle follow-ups courteously on your behalf, protecting your customer relationships while you focus on growing your business.
Transparent Terms
One flat fee per invoice. No hidden charges, no wire fees, no monthly minimums. You see everything before you sign.
Human Decisions
Your application is reviewed by experienced commercial underwriters — not an algorithm. Real answers in hours, not weeks.
Industries
Industries We Power
Specialized underwriting for industries that move the economy.
Staffing
Bridge the gap between weekly payroll and monthly client payments.
Transportation
Working capital for logistics companies managing extended customer payment terms and growing receivables.
Wholesale
Bridge inventory purchase to payment. Selective or full portfolio.
Government
Government invoices are premium factoring candidates. GSA & DoD experience.
Professional Services
Fund large project cycles without equity dilution or debt.
Manufacturing
Align supplier terms with customer cycles. ABL and factoring available.
About Sigma
Capital From People Who Understand Receivables.
Sigma Funding Group is a privately held commercial finance company headquartered in Hollywood, Florida. We provide factoring and A/R-backed working capital to growing U.S. businesses, with facilities ranging from $100,000 to $10 million.
Our underwriting team works directly with business owners, CFOs and controllers—no broker handoffs and no algorithm-only decisions.
Client Results
What Our Clients Say
Real businesses. Specific results.
4.9/5
Funding speed is incredible. I placed invoices in the morning and have the funds in my account by the afternoon.
Tim
3PL · North Carolina
- $400K in Net-60 invoices funded
4.9/5
Before Sigma, payroll kept me up at night. We're a staffing company, so no matter when clients paid us, our people still needed their check every Friday. There were weeks I genuinely didn't know if we'd have enough to cover it. Since working with Sigma, that stress is gone. The money's there when I need it, every time.
R.S.
Staffing · Illinois
4.9/5
The team at Sigma always takes care of our requests fast. Whatever we need, they're quick to respond and get it handled. That kind of reliability means a lot when you're running a security company.
Erik, President
Security Guards · Florida
4.9/5
We were new to factoring when we started with Sigma. Looking back, I don't know how we survived, let alone grew, without it. It's made that much of a difference.
Linda
Distribution · Georgia
How quickly can I get funded?
Funding timelines depend on the type of financing, your business profile, and the documents provided. Onboarding typically takes 24–48 hours from signup. After that, invoices you submit are funded the same day.
Our team works to make the process simple and efficient. We assess your needs, review eligibility, and match you with the most suitable funding solution as quickly as possible.
The faster we receive complete and accurate information, the faster we can move your application forward and help you access the capital you need.
Is there a minimum monthly volume?
No hard minimum, but factoring pencils out best once you’re moving a steady and predicable amount in invoices a month.
Below that, the fees can outweigh the cash-flow benefit. If you’re close, reach out and we’ll run the numbers with you.
Do you require a long-term contract?
Our standard agreement runs 12 months — that’s what lets us really invest in your account and build the kind of relationship where we can move fast for you when it matters.
If you’d rather see how we work together first, we’re happy to start with a trial period before committing to the full term.
Will my customers know?
Yes, and it’s more routine than most people expect. When we fund an invoice, we send your customer a standard Notice of Assignment directing payment to us. Their AP team has almost certainly seen one before; a large share of B2B vendors factor at least part of their receivables, so it’s a normal line item in commercial payments, not an unusual one.
If anything, it signals the opposite of financial trouble — it tells your customer you’re managing cash flow proactively, which is exactly the kind of vendor they want to keep working with. This is one of the questions we get most, and once people hear how common it is, it stops being a concern.
Do you offer non-recourse factoring?
No. Sigma factors on a recourse basis. Non-recourse factoring costs more, and it only covers a customer that goes bankrupt or becomes insolvent. A customer who pays late, never pays, or disputes the work is still your problem.
If you want protection from a customer who doesn't pay, add optional credit insurance to your recourse account. It covers non-payment per the policy terms, which is more than non-recourse covers. Reach out to us today to discuss it.
Ready to Unlock Your Cash Flow?
Proposal within 48 hours. No obligation, no credit checks required.
- No commitments
- No hidden fees
- No personal guarantee required