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Accounts Receivable Financing How It Works

Accounts receivable financing, also called invoice factoring, lets B2B businesses turn unpaid invoices into immediate cash. You submit an outstanding invoice to the lender, who advances you 70-90% of the invoice value upfront. When your customer pays the invoice (on their Net 30/60/90 terms), the lender remits the remaining balance minus their fee. No monthly payments. No waiting 60 days to get paid. Quordx Capital connects businesses to A/R financing lenders in its 50+ network, free to the borrower.

This page is one option inside our broader guide to Alternative Financing. See how it stacks up against the other alternative-funding tools we track.

Last updated · Reviewed by Cody Dreis

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Cody Dreis, Founder, Quordx Capital

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Cody Dreis

Founder, Quordx Capital

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Important Disclosures

Quordx Capital is a business funding broker, not a lender. We facilitate introductions between U.S. small and medium-sized businesses and lenders or capital providers in our network. All credit decisions, funding amounts, rates, fees, repayment terms, and timelines are determined solely by individual lenders based on their own underwriting criteria.

Funding figures and timelines shown on this page are illustrative and represent ranges within our lender network, they are not guarantees and individual outcomes may vary based on business profile, industry, time in business, revenue, credit history, and lender availability. Not all applicants qualify for every product.

The initial inquiry does not impact your personal credit score. Some lenders may perform a hard credit pull during underwriting; Quordx only authorizes such checks with your specific consent for the lender presenting an offer. Applicants are protected under the Equal Credit Opportunity Act (ECOA) from discrimination based on race, color, religion, national origin, sex, marital status, age, or because all or part of an applicant's income derives from any public-assistance program.

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