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INVOICE FACTORING COMPANIES

Best Invoice Factoring Companies

Compare 3+ invoice factoring companies to find the best rates, terms, and service for your business.

3+ Lenders Compared Updated December 2025

Invoice factoring allows businesses to convert unpaid invoices into immediate cash by selling them to a factoring company at a discount. This is an excellent option for B2B businesses with slow-paying customers who need to improve cash flow without taking on traditional debt. In this guide, we compare the top invoice factoring companies to help you find the best rates and terms for your receivables.

OUR TOP PICK
#1 RECOMMENDED
T

Tree of Life Funding

4.8
LOAN AMOUNT$5,000 - $5,000,000
APR RANGE7.5% - 45%
FUNDING SPEEDSame day
MIN CREDITAll credit types

Unlike other lenders on this list, Tree of Life Funding is a lending marketplace that connects you with 75+ vetted lenders. This means you can compare multiple offers with one application and no hard credit pull, ensuring you get the best rates and terms for your situation.

Why we like it

  • 75+ lending partners
  • No hard credit pull
  • Same-day funding
  • Dedicated advisor

Keep in mind

  • •Not a direct lender
Check Your Rates - No Credit Impact
ALL LENDERS

Complete Comparison

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#2

Fundbox

4.0
LOAN AMOUNT$1,000 - $150,000
APR10.1% - 79.8%
FUNDINGNext business day
MIN CREDIT600+
Compare
Best for: Newer businesses and those needing invoice financing
#3

altLINE

4.0
LOAN AMOUNT$30,000 - $5,000,000
APR0.5% per month - 3% per month
FUNDING24-48 hours
MIN CREDITNo minimum
Compare
Best for: B2B businesses with strong receivables
#4

Breakout Capital

4.0
LOAN AMOUNT$10,000 - $5,000,000
APR15% - 45%
FUNDING24-72 hours
MIN CREDIT550+
Compare
Best for: Businesses seeking transparent invoice factoring
METHODOLOGY

How We Evaluate Lenders

Our rankings consider advance rates (25%), factor fees (25%), contract flexibility (20%), funding speed (15%), and customer service (15%). While specialized factoring companies offer good options, Tree of Life Funding's marketplace can connect you with factoring AND other financing options to ensure you get the best deal for your situation.

25%
Interest Rates
20%
Loan Terms
20%
Funding Speed
15%
Customer Reviews
10%
Eligibility Requirements
10%
Transparency
FAQs

Common Questions

Invoice factoring involves selling your outstanding B2B invoices to a factoring company. They pay you 80-90% of the invoice value upfront, then collect from your customer and pay you the remainder minus their fee.
Factoring is not a loan—you're selling an asset (your receivables). This means approval is based primarily on your customers' creditworthiness, not yours, and it doesn't create debt on your balance sheet.
Factoring fees typically range from 1-5% of the invoice value per month. The exact rate depends on your industry, invoice volume, and customer credit quality.

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