Factoring Misconceptions
Factoring has critics. This post answers the common objections to factoring and shows where it helps a business with slow-paying…
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Medical Invoice Factoring: A Solution for Slow Insurance Payments
Insurance reimbursements can take weeks or months, but payroll and rent are due now. Medical practices factor insurance receivables to…How Factoring Can Help Miami Businesses Thrive in a Competitive Market
Miami businesses that sell on net terms can wait weeks or months for payment. Factoring turns those invoices into cash.…The Future of Factoring: Trends in Asset-Based Lending and AR Funding
Digital platforms, customized programs and alternative lenders are changing how businesses borrow against receivables. This article compares factoring with asset-based…How Invoice Factoring Helps Businesses Improve Cash Flow Without Taking on More Debt
Waiting 30, 60 or 90 days for customers to pay strains payroll and inventory purchases. Invoice factoring turns unpaid invoices…2026 Receivables Financing Trends: What Every Business Owner Needs to Know
Non-bank lenders, AI-based credit checks and supply chain finance are changing receivables financing in 2026. This article covers the main…AR Funding vs. Invoice Factoring: What’s the Difference?
AR funding is a loan against your invoices. Factoring is a sale of them. That difference decides who collects from…DIP Financing Success Stories: How Companies Bounce Back from Bankruptcy
A retailer, a manufacturer and a technology company each used DIP financing to keep operating through Chapter 11. These examples…Manufacturing Factoring: Solving Cash Flow Issues in Supply Chains
Manufacturers pay for raw materials and labor long before customers pay their invoices. Factoring releases cash from those invoices so…Asset-Based Lending for Small and Medium Businesses
Asset-based lending sizes your credit line by what your business owns: receivables, inventory and equipment. Learn how lenders set a…How Service-Based Businesses Can Use Factoring to Grow
Service businesses often finish the work weeks or months before the client pays. Factoring turns those invoices into cash for…Miami’s Top Factoring Companies: Find the Right Partner
Use this checklist to compare Miami factoring companies on fees, funding speed, industry experience and customer service. It also walks…AR Funding: Turn Invoices Into Immediate Cash Flow
Accounts receivable funding gives you cash for invoices your customers haven't paid yet. Read how it works and when another…Debtor-in-Possession (DIP) Financing: A Lifeline for Businesses in Distress
After a Chapter 11 filing, debtor-in-possession financing keeps payroll and daily operations funded. This guide covers how the bankruptcy court…How Factoring Supports Staffing Companies During Growth
A large new client or a seasonal rush puts more workers on payroll weeks before the first invoice is paid.…Medical Invoice Factoring: Simplifying Cash Flow for Healthcare Providers
Healthcare providers wait on insurers while their own bills keep coming due. Medical invoice factoring advances cash against those claims.…Asset-Based Lending vs Factoring: Which Is Right for Your Business?
An asset-based loan is a credit line secured by your receivables and inventory. Factoring sells individual invoices for cash. Compare…Streamline Manufacturing Growth with Factoring Solutions
Long production cycles and slow-paying customers tie up a manufacturer's cash. Factoring pays for raw materials and new orders out…Why Miami FL Is a Hotspot for Factoring Companies
Miami's trade with Latin America, its international airport and Florida's lack of a state income tax draw factoring companies to…20 Essential Tips to Small Business Invoice Factoring: A Lifeline for Cash Flow Management
Small businesses often wait 30 to 90 days for customers to pay. These 20 tips explain how invoice factoring covers…The Benefits of Invoice Factoring for Service-Based Businesses
Service businesses often wait 30 to 90 days to be paid for finished work. Here's what factoring gives them during…Top 5 Signs Your Business Needs Invoice Factoring Services
Recurring cash flow gaps and a bank that keeps saying no are two of five signs your business may need…How Factoring Can Help Staffing Companies Manage Payroll Changes
Staffing agencies pay workers every week and wait 30 to 90 days for clients to pay. Factoring covers payroll in…3 Benefits of Factoring
Factoring turns unpaid invoices into working capital. Businesses use it three ways: to cover payroll and operating costs, to get…Factoring Primer for your Business
Factoring suits B2B companies that wait weeks for customers to pay, such as manufacturers, staffing agencies, trucking companies and contractors.…Government Contracts and financing them
Government agencies pay contractors only after they review and approve each invoice. This article walks through that payment process and…Let’s talk about money, specifically CASH FLOW
This list covers ten ways to manage cash flow, including a monthly forecast, faster collection of receivables and a cash…Security Firm – Case Study
Team 13 Security Services pays more than 50 guards every two weeks, while its clients pay on long terms. This…Unlock Immediate Cash Flow: Is Factoring, Your Business’s Secret Funding Solution?
Factoring gets you cash for unpaid invoices, and the factor looks mainly at your customers' credit instead of yours. This…What to Look for in a Reliable Factoring Company
Check these ten things before you choose a factoring company. They include experience in your industry, rates and fees, contract…
Common Questions
What Business Owners Ask Before They Factor
Short answers on advances, funding speed, risk and customer notice. The full FAQ covers fees, contracts and qualifying.
Get in touchHow much of each invoice do you advance?
Most businesses receive 80–90% of the invoice value up front. Freight carriers receive a full advance, which is standard in freight factoring, and we make exceptions to the range case by case. When your customer pays, we release the remaining balance to you, minus our fee.
How fast can I get funded?
Setting up your account typically takes 24–48 hours from signup. After that, we fund invoices the same day you submit them.
What happens if my customer doesn't pay?
Sigma factors with recourse, so an invoice your customer never pays comes back to you. You can add credit insurance, which pays when an insured customer fails to pay, under the policy's terms. We don't offer non-recourse factoring. It costs more and covers only a customer's bankruptcy or insolvency, so late payment and non-payment stay with you anyway. Compare the options.
Will my customers know I use factoring?
Yes. A Notice of Assignment tells your customer to send payment to Sigma, so how we handle collections and communication matters. The staffing and service business pages explain how that works in practice.
How is factoring different from a line of credit?
Factoring is the sale of invoices you've already issued, so the funding grows with your sales. A line of credit is a loan with its own underwriting and covenants. Read factoring vs. a line of credit for a side-by-side comparison.
See Your Advance Rate and Fee in Writing
Tell us about your business and the invoices you want funded. Within 48 hours you get a proposal with your advance rate, fee and terms, and you don't have to sign it.
- No commitments
- No hidden fees
- No personal guarantee required