Confirm the receivables fit
Factoring is generally built around invoices for completed B2B work. Clarify exclusions, disputes, offsets, and customer payment behavior with the provider.
Independent broker · 45 eligible states
Invoice Factoring Services in 45 States
LIEquity is an independent invoice factoring broker serving B2B owners in 45 eligible states. We help you understand and explore provider options; availability, eligibility, approval, and terms vary by factoring provider.
Apply to start a practical conversation about your invoices, customers, and working-capital needs.
Start with your business details. A factoring provider—not LIEquity—makes every funding decision.
Independent guidance.
No lender promises.
Find your state
Coverage is a starting point, not an approval.
Explore the current service area and state-specific guidance. Eligibility depends on provider programs, your business, and the invoices you want to factor.
Coverage, at a glance
45 states eligible State guide Eligible Not currently served
State boundaries: U.S. Census Bureau geography via us-atlas (ISC).
Eligible states
45 states · choose a guide or select a state for availability detailsNot currently in the eligible service area
Alaska, California, Hawaii, Oregon, Washington. Provider participation can change; contact LIEquity if you would like to discuss your situation.
A broker, not a bank
Understand the fit before you compare terms.
Invoice factoring can help a business bridge the gap between completing work and receiving payment. A factoring provider purchases eligible invoices and advances a portion of their value; the provider later collects from your customer and remits the remainder, less fees and any other agreed charges.
LIEquity is an independent commercial factoring broker. We help owners understand the process and explore provider options; we do not lend, underwrite, approve applications, set rates, or guarantee funding. Each provider evaluates the business, its customers, and the receivables independently.
A practical first conversation
Bring the details that shape a useful comparison.
State guides explain relevant local business context without implying that a funding office operates there. For a first conversation, it helps to know who your customers are, how much they owe, when invoices are due, and what pressure you are trying to solve.
Compare the advance, fee structure, reserve and reconciliation process, contract term, recourse provisions, and any minimums or termination costs. Ask the provider to explain exactly what happens when a customer pays late or disputes an invoice.
A considered approach
Three checks before moving forward.
Read the whole cost structure
Request a clear explanation of fees, reserves, advance timing, wire costs, minimums, and what changes the effective cost over time.
Understand who does what
Confirm customer notification and collections procedures, your responsibilities, and the consequences if an invoice is unpaid or challenged.
Start with the receivables
Tell us what your business needs the cash flow to do.
LIEquity can help you understand whether invoice factoring may fit and what to ask next. Provider review, eligibility, approval, and terms remain entirely with the provider.
State-specific guidance