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Compare the top invoice factoring companies in the USA and choose the best one for your business. Get working capital for your business for growth, payroll, and more.
If you’re looking for invoice factoring or invoice financing companies in the USA, you’re not alone: demand for accounts receivable financing is expected to grow at a compound annual growth rate of 9.5% to 10.5% from 2022 to 2031.
This guide will make it easy to compare the top options. Whether you’re running a small business, managing cash flow for a growing startup, or leading the finance function of a mid-sized enterprise, selecting the right invoice factoring company is the difference between a partner that will help you grow or pain that will cost you time, trouble, and extra fees. We’ll help you navigate the options, explore the best companies, and find the best one for your business.
One search on Google or ChatGPT will show you that the sheer number and choice of invoice factoring companies in the USA can seem overwhelming–you need to find a way to narrow it down and make the best invoice factoring choice for your type of business. We’ve taken care of the legwork for you, giving you a set of criteria to evaluate every candidate on your list, so that you can make an even comparison based on what matters most. (And hopefully make the funding process as smooth as possible in the process!) We’ve used our many years of experience helping small and medium businesses like you quickly get working capital to put together this handy guide.
When it comes to evaluating factoring companies in the U.S., you should consider a company’s reputation, fee structure, credit requirements, and speed of funding. Here are the 10 best factoring companies in the United States to consider for your business funding needs.
FundThrough is a leading invoice factoring company featuring an AI-powered platform that gives business owners and finance leaders access to working capital anytime by paying invoices early. Our flexible approach to invoice factoring services makes getting the funding you need, when you need it, quicker and easier than traditional bank financing or manual approaches to invoice financing. Forbes named FundThrough Best Overall Factoring company for 2025.
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Invoice Financing rates & fees | 2.75% per 30 day terms; no hidden fees |
Funding limits | Unlimited, for as much as you have in eligible invoices |
Industries served | Most industries, including oil and gas, manufacturing, technology, staffing, B2B wholesale and retail, trucking and transportation, professional services, building supplies, and more |
Geographies served | US and Canada |
How to get started | See if you’re pre-qualified in minutes |
Riviera Finance offers receivable financing and factoring to businesses across a variety of industries, with factoring agreements managed by local offices. Their working capital solution gives you funding to cover operating expenses based on qualifying invoices. They offer both non-recourse factoring and recourse factoring.
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Invoice Financing rates & fees |
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Funding limits | Facilities range: $5K to $2M |
Industries served | Freight, oil and gas, temporary staffing, telecom, underground utility, and more. |
Geographies served | US and Canada |
How to get started |
AltLINE, a division of The Southern Bank Company, is a financial services provider specializing in invoice factoring and asset-based lending. Founded in 1936, AltLINE combines the stability and expertise of a federally regulated bank with flexible funding solutions tailored to businesses facing cash flow challenges.
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Invoice Financing rates & fees |
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Industries served | Staffing, distribution, freight, manufacturing, wholesale, janitorial, energy, and more |
Geographies served | US |
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Triumph Business Capital is an invoice factoring option in the United States that works solely with business in the trucking industry to simplify their finances. They work with freight businesses of various types, including owner-operators, fleet owners, and freight brokers on various types of financing including equipment financing and fuel discounts.
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Invoice Financing rates & fees |
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Funding limits | Up to $20M |
Industries served | Trucking and freight |
Geographies served | US |
How to get started |
RTS Financial is a leading provider of factoring services, specializing in helping businesses improve cash flow by purchasing their unpaid invoices. Founded in 1986, RTS Financial is part of the Shamrock Trading Corporation family, giving it the backing of a reputable and well-established organization. The company serves a variety of industries, with a particular focus on trucking, logistics, and freight businesses. RTS Financial is known for its competitive rates, same-day funding, and services like fuel card programs and discounts through its affiliation with RTS Carrier Services. With a focus on personalized customer service and flexible financing options, RTS Financial aims to empower businesses to manage cash flow effectively and grow their operations.
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Invoice Financing rates & fees | Unavailable |
Funding limits | Unavailable |
Industries served | Trucking, oil and gas, agriculture, manufacturing, seafood, textile and apparel |
Geographies served | US, Mexico |
How to get started |
eCapital is a financial services provider specializing in flexible funding solutions for businesses across various industries, including transportation, staffing, manufacturing, and distribution. The company offers a variety of funding options to help businesses improve cash flow and access working capital quickly. Their approach integrates technology and personal customer service, providing clients funding through an online platform and access to account managers in physical office locations.
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Invoice Financing rates & fees | Unavailable |
Funding limits | Up to $30M |
Industries served | Manufacturing, wholesale and distribution, B2B services, staffing, and more |
Geographies served | US, Canada, UK |
How to get started |
Kapitus is a leading provider of financing solutions designed to support small and medium-sized businesses across a wide range of industries. Established with the mission to empower entrepreneurs, Kapitus offers diverse funding options, including revenue-based financing, SBA loans, equipment financing, lines of credit, and invoice factoring. The company is known for its fast application process, flexible terms, and personalized service, making it a reliable partner for businesses seeking to address cash flow challenges, invest in growth, or manage unexpected expenses.
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Invoice Financing rates & fees | Unavailable online; varies by lender |
Funding limits | $200K-$7M |
Industries served | Construction, manufacturing, farming, medical, retail, healthcare, hospitality, and more |
Geographies served | United States |
How to get started |
Universal Funding Corporation is an invoice factoring company that provides cash flow solutions to businesses across various industries, including manufacturing, distribution, professional services, and staffing. Founded in 1998, the company specializes in purchasing accounts receivable to help businesses improve liquidity, manage working capital, and sustain operations. Universal Funding is known for its personalized approach, offering tailored factoring programs with competitive rates and flexible terms. The company also provides credit management services, helping clients evaluate customer creditworthiness and minimize risk. With a commitment to fast funding, reliable service, and client success, Universal Funding enables businesses to maintain financial stability and focus on growth opportunities.
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Invoice Financing rates & fees |
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Funding limits | $25K-$20MM |
Industries served | Manufacturing, wholesale and distribution, staffing, oil and gas, mining, printing, and more |
Geographies served | US |
How to get started |
Scale Funding, formerly known as TCI Business Capital, is a factoring company offering tailored financial solutions to businesses with specific cash flow needs. Its services are particularly appealing for their flexibility, transparency, and support for high-growth or high-risk industries.
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Invoice Financing rates & fees | Unavailable |
Funding limits | Up to $30M |
Industries served | Trucking, staffing, telecom, oil and gas, manufacturing, consulting, commercial cleaning, and more |
Geographies served | US |
How to get started |
1st Commercial Credit stands out for its flexibility, high advance rates, and willingness to work with a wide variety of businesses, including those in niche industries or with complex financing needs. Its international capabilities and lack of restrictive covenants make it a compelling option for businesses looking for adaptable and straightforward cash flow solutions.
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Invoice Financing rates & fees | .69%-1.59% |
Funding limits | $10,000-$10M |
Industries served | Cable and telecommunications, construction, security, staffing, medical, and more |
Geographies served | US |
How to get started |
We serve business across the entire country, but these are just a few of the U.S. cities you can fund invoices for your business in:
New York City
Los Angeles
Chicago
Houston
Phoenix
Philadelphia
San Antonio
San Diego
Dallas
San Jose, California
We also serve businesses across North America with our invoice factoring services. If you’re looking for financial services in a different or more specific location, see our pages on Texas invoice factoring, invoice factoring in Ontario, factoring companies in Georgia, and factoring companies in Canada.
Our flexible invoice funding solution is ideal for business who sell to other businesses in a variety of industries, including:
See our Industries page for a full list of B2B industries our invoice funding financial solution helps.
Invoice your customer. Get paid in days. Get back to business.
Get funding anytime without bank hassles or limits by working with FundThrough. We offer unlimited funding, so the more you invoice, the more capital you can access. Take on growth projects, hire essential staff, and make payroll with peace of mind that you have the funding you need at your fingertips.
Skip waiting on net payment terms and get paid quickly, with a secure source of flexible funding. No debt, dilution, hidden fees, or monthly minimums mean you’re in control of your capital, instead of waiting on slow-paying customers.
Integrations with QuickBooks and OpenInvoice combined with AI and automation make it easy to get funded and get back to business. Get a funding boost in one click (after customer setup).
Create a free account or connect your QuickBooks or OpenInvoice account, and provide information about your business.
Submit eligible unpaid invoices to FundThrough. We provide unlimited funding for your business based on the size of your outstanding invoices. Simply select which eligible invoices you want to fund, and submit them in one click (after customer set up).
Select eligible invoices to advance. Deposits are made within days and your customer sends invoice payments to FundThrough according to the agreed upon terms.
Upon approval, funds are deposited into your business bank account as quickly as the next business day. Put your capital to work for growth projects, payroll, equipment, hires, and more.
On-demand working capital for growing businesses.
FundThrough offers businesses instant access to funds from unpaid invoices on an easy-to-use, online funding platform.
Wherever a business is in its growth cycle or just needs some extra capital, FundThrough can help bridge critical cash flow gaps with fast and easy invoice factoring services.
Invoice Factoring Articles from the FundThrough Blog
"I am pleased to recommend FundThrough for early stage and established small business funding for the type of products and ease of doing business." ~James R.
"I've been looking for this tool for the past few years and stumbled on FundThrough during my participation at QuickBooks Connect. They have a great software." ~Xtiane
"I really like this company, they are 1st class! They have a very nice platform and are at the top of their game! They have fast approvals and will help you along the way..." ~Unified
"FundThrough has been instrumental in helping my company meet its cash flow needs quickly, easily and for low cost." ~Mark B.
"We started using FundThrough in August of 2017. What impressed me the most has been the quick turnaround." ~Ahmed A.
"Overall I have been quite satisfied with FT. I signed up with them about eight months ago and have used the service once. I've also recommended it to other clients." ~Stephanie
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Factoring companies provide a service called invoice factoring, where they buy unpaid invoices from small and medium sized businesses that have customers who pay on long net terms and need quick cash flow. Factoring companies also manage their clients’ accounts receivable, saving them time spent following up on their customers’ payments.
Because invoice factoring is a form of alternative financing, it has little to no governmental regulation. Instead, recognized organizations such as the International Factoring Association and the Commercial Finance Association exist as member-driven associations, providing best practices, training, and tools to their members.
Factoring costs depend on a company’s pricing structure and your invoice payment terms. Between 1% and 6% is a typical discount rate or factoring fee. Different factoring companies work on different fee structures, which is why it’s so important to compare terms and invoice factoring rates before signing a factoring agreement.
Invoice factoring is a financial service that helps businesses improve cash flow by selling their accounts receivable to a factoring company. Instead of waiting weeks or months for customer payments, businesses receive immediate funds to reinvest in operations, payroll, and growth.
Recourse factoring requires the business to buy back unpaid invoices that their customer doesn’t pay, while non-recourse factoring places the risk of non-payment on the factoring company.
Costs vary but typically range from 0.5% to 5% of the invoice value.
Yes, many companies, including FundThrough, cater to startups with little credit history.
When evaluating your options, consider these questions:
Interested in possibly embedding FundThrough in your platform? Let’s connect!