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Commercial Invoice Factoring

Invoice Factoring for Growing B2B Businesses

Waiting 30, 60, or 90 days to get paid? LIEquity is an independent commercial invoice factoring broker helping B2B businesses evaluate factoring options for their outstanding invoices. Factoring providers make funding and approval decisions.

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B2B Invoice Factoring • Nationwide Solutions • Multiple Industry Specialties

The Process

How invoice factoring works.

Instead of waiting months for payment, you can explore whether your commercial invoices may provide earlier access to working capital. Learn how invoice factoring works for B2B businesses before deciding whether it fits your needs.

01

You invoice your clients

You deliver goods or services to your B2B customers and issue an invoice with 30, 60, or 90-day terms as usual.

02

Receive an advance

The factoring provider advances an agreed percentage of the eligible invoice value according to the approved terms.

03

Customer pays provider

Your client pays the invoice directly to the factoring provider according to the original payment terms.

04

Receive the balance

Once paid, you receive the remaining balance of the invoice, minus the factoring provider's fee.

A clearer view of cash flow

Cash Flow Challenges Invoice Factoring May Help Address

Explore common cash-flow challenges businesses face when commercial customers take 30, 45, 60 days or longer to pay invoices. See how invoice factoring may provide earlier access to working capital from qualifying accounts receivable while you wait for customer payment.

Explore a business situation below. Only resource links open another page.

A business situation

I need to make payroll before customers pay

The Challenge

Staffing companies and other labor-intensive service businesses may need to meet recurring payroll obligations while commercial customers pay invoices weeks later. That timing difference can create a working-capital gap even when the business is generating revenue.

Where Invoice Factoring May Fit

Invoice factoring may provide earlier access to working capital from qualifying accounts receivable for completed services, rather than requiring the business to wait through the full customer payment cycle. A factoring provider reviews the invoices and circumstances before deciding whether they fit.

Worth Exploring

If payroll timing is the pressure point, these resources can offer more context.

A business situation

I have new business but need cash to support growth

The Challenge

More sales can also mean more immediate payroll, materials, and operating expenses before the resulting customer invoices are collected. Growth can create working-capital pressure even while revenue is increasing.

Where Invoice Factoring May Fit

Qualifying commercial accounts receivable from completed and delivered goods or services may potentially be factored to provide earlier access to cash while customers remain within their normal payment terms. Availability and terms depend on the provider’s review.

Worth Exploring

Explore how the process works, or look at resources relevant to your business.

A business situation

My customers are taking 30–60+ days to pay

The Challenge

When commercial customers take 30, 45, 60 days or longer to pay, a business may have substantial cash tied up in unpaid invoices and accounts receivable. Slow-paying customers can make it harder to cover expenses that come due before customer payment terms.

Where Invoice Factoring May Fit

Invoice factoring may provide earlier access to working capital from qualifying invoices for completed or delivered goods and services, rather than waiting through the entire customer payment cycle. The provider determines eligibility and terms.

Worth Exploring

Learn more about timing, costs, and how LIEquity works as an independent broker.

A business situation

I need cash for materials or operating expenses

The Challenge

Payroll, materials, supplies, and other operating expenses often come due before a commercial customer pays. That mismatch can put pressure on cash even after a business has completed the work or delivered the goods.

Where Invoice Factoring May Fit

Factoring concerns existing qualifying accounts receivable generated by completed services or delivered goods. A purchase order by itself is not an invoice receivable, and LIEquity does not provide purchase-order financing.

Worth Exploring

See how receivables timing works in your industry and what providers may review.

A business situation

One large customer is tying up a significant amount of my receivables

The Challenge

When a meaningful portion of accounts receivable is concentrated with one commercial customer, the timing of that customer’s payment can have an outsized effect on available working capital.

Where Invoice Factoring May Fit

Factoring providers evaluate receivables and customer credit circumstances individually. Customer concentration does not automatically mean invoices qualify or do not qualify; a provider considers the full situation and establishes any final terms.

Worth Exploring

These resources explain the review process and provide general factoring context.

LIEquity is an independent commercial factoring broker. Factoring providers make approval and funding decisions, evaluate invoices, and establish final terms. Not every business or invoice will qualify.

Two workers reviewing a clipboard in a warehouse.
Independent Guidance

Invoice factoring, clearly explained.

As an independent broker, LIEquity helps you compare factoring approaches and understand the questions to ask—then, if you choose, explore relevant provider options. Providers make all eligibility, approval, pricing, and funding decisions.

  • Industry understanding. We focus exclusively on B2B businesses dealing with extended payment cycles.
  • Transparent approach. Clear explanations of factoring structures, advances, and standard fees.
  • Business-focused guidance. We center the conversation on your receivables, customer payment terms, and working-capital priorities.
Industry context

Invoice Factoring Solutions by Industry

Cash-flow timing, invoice documentation, and customer payment cycles can differ by industry, so the right factoring conversation starts with how your business actually bills and gets paid.

StaffingPayroll often comes due before customers pay; approved timesheets can help verify completed assignments and related invoices.Commercial Cleaning & JanitorialRecurring service periods can leave a gap before customer payment; records of completed work, extras, and credits support invoice review.Security Guard CompaniesGuard payroll may come due before customer payment; approved hours and location records help document completed shifts.ManufacturingProduction costs can arrive before payment; shipment, delivery, and customer acceptance records help document completed sales.Distribution & WholesaleCustomers may pay after goods are delivered; delivery records, returns, and deductions can affect which invoices are reviewed.Property PreservationCompleted work orders, photos, and portal records can help verify work before a related invoice is reviewed.Maintenance & Service CompaniesService tickets, customer sign-off, and authorized extras help document completed maintenance work before invoice review.
Other B2B Industries Browse All Industries
Practical guidance

Invoice Factoring Resources

Factoring CostsWhat could invoice factoring cost?Factoring RequirementsWhat might a factoring provider review?Factoring CalculatorHow might an advance and reserve work?
Explore All Invoice Factoring Resources
A first conversation

Not ready to apply?

Tell us a little about your business and how to reach you. This inquiry is for a conversation only—not a funding application or an approval.

This is an inquiry, not a funding application or offer of approval. Factoring providers make their own eligibility, approval, terms, and funding decisions.

Ready to explore factoring?

Submit a factoring application for LIEquity's review to see if invoice factoring aligns with your business cash flow needs.

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Broker Disclosure

LIEquity is an independent commercial factoring broker. Factoring providers make approval decisions, establish final terms, and provide funding.