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Invoice Factoring for Work You've Already Billed.

Non-dilutive working capital against your existing receivables. Set up in 24–48 hours, then same-day funding on every invoice. Credit insurance available. Human underwriters — not algorithms.

Get Your ProposalOr call (954) 906-7890
  • 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
Get Proposal for $250,000

Estimate only. Advances run 70–97% by industry; your exact rate and fee are in your written proposal. No credit check to start.

The Process

From Invoice to Funded — What Actually Happens

Real timelines, not marketing estimates. These are averages across active Sigma accounts.

Get Your ProposalSee the full process guide
  1. 01

    Submit your application

    Short online form. Business info, invoices you want to factor. No tax returns, no financial statements at this stage.

    Day 0
  2. 02

    Human underwriter reviews

    Your application is reviewed by experienced commercial underwriters — not an algorithm. Real answers in hours, not weeks.

    Within hours
  3. 03

    Advance wired to your account

    We fund the advance — a large percentage of the invoice face value — directly to your operating account.

    Same day
  4. 04

    Customer pays, reserve released

    Your customer pays Sigma when due. We release the remaining balance minus our flat fee. Transaction complete.

    When due

Client story

Invoices placed in the morning, funded by the afternoon

“Funding speed is incredible. I placed invoices in the morning and have the funds in my account by the afternoon.”
Tim · 3PL · North Carolina
Funding
Same day
Industry
3PL
Location
North Carolina

Invoice factoring client in third-party logistics. Individual results vary.

How Sigma's Factoring Works

Not Just Fast — Structured Right

Speed is table stakes. The four things that actually differentiate Sigma's factoring from every competitor.
Speed

Invoices Funded the Same Day

Onboarding typically takes 24–48 hours from signup, with a licensed underwriter reviewing your file instead of a scoring algorithm. After that, invoices you submit are funded the same day. No committee. No 7-day wait.
Risk Protection

Recourse Factoring With Optional Credit Insurance

Recourse factoring is our standard structure and costs the least. Add credit insurance to protect against a customer who doesn't pay. We don't offer non-recourse, which costs more and covers only a customer's bankruptcy or insolvency.
Underwriting

Your Customers' Credit — Not Yours

We underwrite the creditworthiness of your invoice counterparties — not your business's credit score, revenue history, or personal assets. If your customers are creditworthy businesses or government entities, your invoices likely qualify regardless of your own credit profile.
Flexibility

Flexible Terms

Factor one invoice or your full A/R — on your schedule. No minimum monthly volume. Flexible term commitment. You can also factor selectively: specific customers, specific invoices, specific periods. We structure around your actual situation.

Know Your Options

Recourse Factoring and Credit Insurance

Recourse factoring is Sigma's standard structure and costs the least. To protect against a customer who doesn't pay, add credit insurance. We don't offer non-recourse factoring. It costs more, fewer customers qualify, and it covers only a customer's bankruptcy or insolvency.

Recourse factoringSigma defaultRecourse + credit insuranceBroadest protectionNon-recourse factoringNot offered
If your customer pays late or doesn't payYou buy back or replace the invoice.Covered by the insurance policy, per its terms.You buy back or replace the invoice. Not covered.
If your customer goes bankrupt or becomes insolventYou buy back or replace the invoice.Covered by the insurance policy, per its terms.Covered only if the factor approved that customer for non-recourse.
Customer approvalBased on your customers' creditBased on your customers' credit and the policy termsStricter. Customers the factor won't approve stay on recourse.
CostLowest feeFactoring fee plus an insurance premiumHigher factoring fee
Best forBusinesses with creditworthy customersLarge or concentrated customer balances you want protectedFew businesses. You pay more, and late payment, non-payment and disputes stay with you.

Common Questions

Invoice Factoring FAQ

Still unsure? Call (954) 906-7890 and talk to an underwriter.

What's the difference between factoring and a bank loan?

Factoring is a sale of receivables — not debt. It doesn’t appear on your balance sheet, doesn’t trigger bank covenants, and is underwritten against your customers’ credit rather than yours. There’s no repayment schedule because repayment comes from your customer’s payment of the invoice.

Will my customers know I'm using factoring?

Yes. A Notice of Assignment is sent to your customers directing payment to Sigma. This is standard practice in B2B finance — your customers have almost certainly seen it before. Our team contacts them professionally on your behalf.

What's the fee structure?

One flat discount fee per invoice. Based on your industry’s risk profile, your customer’s creditworthiness, and your invoice terms. No wire fees, no monthly minimums, no setup fees, no termination penalties. Your exact fee is shown in full before you sign anything. Use the estimator above for a working figure.

Is there a minimum volume or long-term contract?

No minimum invoice size. No minimum monthly volume. Our standard agreement is month-to-month with 30 days notice prior to renewal. No annual commitment, no termination penalty. We can also build custom exit provisions into your agreement.

Does factoring affect my existing bank line or covenants?

Factoring is a sale of receivables — not a loan. It doesn’t appear on your balance sheet as debt. We file a UCC-1 against your receivables (standard in factoring), which is structured to coexist with most existing bank facilities. We review your agreements before onboarding.

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See Your Advance Amount

Submit your application and get a written proposal — advance rate, fee, and exact terms — before committing to anything.

  • No personal guarantee
  • No credit check on your business
  • No long-term contract
Get Your Proposal
Get Your Proposal