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Accounts Receivable Financing

Turn that IOU into working capital

Use accounts receivable financing to get fast cash.


Up to 90% of Receivables
As Soon As 24 Hours
Up to 1 Year
As Low as 3%

What Is Accounts Receivable Financing?

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Accounts receivable financing is a financing option that uses your company’s unpaid invoices as collateral for a lump sum of cash. Invoice financing typically comes with payment terms that give you 80% of the invoice value up front. Then, the factoring company takes over the process of collecting payment from your customers. Once the full amount is paid, you’ll receive the remaining invoice balance, minus a factoring fee that is paid to the company. The factoring fee is usually based on the net terms it takes for your customer to pay the invoice. It usually starts around 3% of the invoice total. However, you can also use other types of accounts receivables to get funding, including purchase orders and inventory. Because AR financing is based on tangible assets or debts owed to your company, you may find it easier to qualify than with traditional financing options like business loans. For instance, you’ll generally find more flexible requirements on things like credit and time in business. Even if your company started less than a year ago, you could still apply to qualify for accounts receivable financing

Fast Access
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Standard commercial banking Alike term loans can take several months to process. But with receivable loans, you can increase your cash flow in as fast as 24 hours. You’ll quickly find out if you qualify and get early payment with invoice financing.

Keep Your Equity
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Some small business owners may be tempted to bring in external investors to help with cash flow issues caused by outstanding invoices. But that eats into your profit margins when it comes time to take distributions. Plus, giving away equity is permanent, while you can tap into accounts receivable factoring only when you need to.

How To Apply For Accounts Receivable Financing

Sure, you can go the bank route with a long application process and 75% rejection rate. But if you’re looking for financing in this lifetime, Diamond Capital offers a faster, easier application process.


Fill out the 15-minute online application.

It’s secured with bank-grade encryption and SSL technology, so you know your information is safe. 


Receive matches.

We pair you with loan options from our network of 75+ lenders. Our dedicated fundingmanagers can help you weigh the pros and cons of each option.


Get funded.

Once you’re approved, you’ll be able to access your capital in as little as 24 hours.