Do Your Invoices Qualify for Factoring?
Answer five questions about your business, customers, and invoice volume. Get an instant result — no email required, no sales call triggered.
New to factoring? Read how it works- 600+businesses funded
- $900M+invoices purchased
- 97%fund again
Your result
- Typical advance
- Invoice funding
- Same day
- Contract
- Monthly
Your answers carry into the application, so you won't type them again.
Not a fit Your result
Invoice factoring may not be the right fit — but here's what might be.
Invoice factoring is designed for B2B businesses — companies that issue invoices to other businesses, government entities, or institutions. If your revenue primarily comes from individual consumers, factoring against those receivables isn't available. Here are alternatives worth exploring:
After You Qualify
What Happens Next
Once you submit your application, here's exactly what to expect — with real timelines.
- 015 minutes
Submit your application
5-minute form. No financial statements, no tax returns. Just basic business info and the invoices you want to factor.
- 02Same day
Human review
A licensed underwriter — not an algorithm — reviews your invoices and your customers' credit.
- 03Same day
Funded the same day
Setup typically takes 24–48 hours from signup. After that, invoices you submit are funded the same day, straight to your operating account.
Common Questions
Things Worth Knowing Before You Apply
- Contract Terms
- Month-to-month. Standard termination is 30 days notice prior to renewal. No annual commitment. No termination penalties.
- Minimums
- None. No minimum invoice size, no minimum monthly volume. Factor one invoice or a full portfolio — entirely on your schedule.
- Personal Guarantee
- Not required. We underwrite your customers' credit — not yours. Your personal assets are not on the line.
- Your Customers
- They'll receive a Notice of Assignment — a standard part of factoring. Our team handles this professionally on your behalf.
A business like yours
New to factoring, and growing because of it
“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- Started as
- New to factoring
- Industry
- Distribution
- Location
- Georgia
Distribution company in Georgia, first-time factoring client. Individual results vary.
See Which Option Fits Your Invoice Cycle
Get a written proposal: advance amount, fee, and exact terms — shown before you sign anything.
- No personal guarantee
- No credit check on your business
- No long-term contract