Accounts Receivable Financing
Unlock cash from unpaid invoices before your clients pay
Advance 70–90% against your outstanding invoices, freeing cash tied up in net-30 to net-90 terms.
Overview
Accounts Receivable (AR) Financing advances 70–90% of the value of your outstanding invoices upfront, with the remainder (less a fee) paid when your customer settles the invoice. This unlocks cash tied up in net-30, net-60, or net-90 payment terms without waiting for your clients to pay. AR financing is a flexible line that grows with your sales — the more you invoice, the more you can borrow. It is ideal for B2B businesses with creditworthy customers and long payment cycles.
Key Benefits
Access 70–90% of invoice value immediately
Flexible line that grows with your sales
No new debt on your balance sheet (in many structures)
Ideal for B2B businesses with creditworthy customers
Ideal For
B2B service companies with net-30+ terms
Consulting and professional services firms
Wholesalers and distributors
Businesses with creditworthy but slow-paying customers
How It Works
A clear, structured process from first call to funded.
Invoice Review
We assess your receivables aging, customer credit, and concentration to determine eligibility.
Facility Setup
We set up an AR financing line with advance rates and fees tailored to your invoice volume.
Submit Invoices
You submit invoices as you bill; the lender advances 70–90% within 24–48 hours.
Customer Pays
Your customer pays the invoice; you receive the remaining balance less the financing fee.
Articles & Insights
Deep dives from our capital advisory team to help you make informed financing decisions.
AR Financing vs. Invoice Factoring: The Key Difference
In AR financing you keep collections and customer contact; in factoring the lender manages collections. The choice affects cost, control, and your customer relationships.
How to Improve Your Receivables to Lower Financing Costs
Better invoice quality means better advance rates and lower fees. We share practical steps to tighten credit terms, reduce aging, and diversify concentration.
Using AR Financing to Fund Growth Without New Debt
Because AR financing is an advance on your own sales, it can fund growth without adding traditional debt. Here is how scaling companies use it strategically.
Accounts Receivable Financing Case Studies
Real engagements, real outcomes. See how we have structured accounts receivable financing for clients like you.
Consulting Firm Unlocks $80K from Net-60 Invoice
Management Consulting Firm
The Challenge
A consulting firm had a $100K net-60 invoice from a Fortune 500 client but needed cash now to fund a new project team and could not wait two months for payment.
The Teal Bay Solution
Teal Bay arranged AR financing that advanced 80% of the invoice — $80K — within 48 hours, with the balance paid when the client settled.
The Outcome
Client funded the new project team, delivered on time, and used the AR line repeatedly to smooth cash flow across large net-60 engagements.
Frequently Asked Questions
Straight answers to the questions we hear most.
In AR financing, you keep control of collections and your customers pay you. In factoring, you sell the invoices and the factor collects directly from your customers. AR financing is more discreet; factoring is often faster and simpler.