Invoice factoring, also known as accounts receivable financing or simply factoring, is a way for businesses to get cash by selling their unpaid invoices to a factoring company. Instead of waiting 30, 60, or even 90 days for customers to pay, you get most of your invoice value upfront—usually within 24 hours. The factoring company then collects payment from your customer when it’s due.

A cash flow loan helps your business get money quickly when you need it. You can use it to pay bills, buy supplies, or handle surprises. You don’t need to offer anything, like a car or property, to get the loan. The loan is repaid at the same rate that you’re earning revenue, so the payments are easier to manage.

A business line of credit is a flexible way to borrow money for your business. It works like a credit card: you get approved for a set amount of money and can use as much or as little as you need. You only pay interest on the amount you borrow, not the full amount available.