When small business owners are faced with unexpected expenses or rapid growth opportunities, one question rises to the top: “How can I get business cash fast?” Traditional bank loans often take weeks or even months to approve. Credit cards come with high interest rates. And merchant cash advances can lead to dangerous cycles of debt. Fortunately, there’s a better option: invoice factoring.
At American Receivable, we help companies across the country quickly convert unpaid invoices into immediate working capital—without the red tape of traditional lenders. If your business is waiting 30, 60, or even 90 days to get paid, factoring is the fastest way to access the cash you’ve already earned.
Why Businesses Need Cash Fast
Running a business requires constant cash flow. But sometimes, situations arise that put pressure on your financial resources:
- Making payroll during a slow-paying month
- Purchasing inventory to fulfill a large order
- Taking on new contracts that require upfront costs
- Handling emergencies like equipment breakdowns
- Bridging the gap between invoice and payment
Whatever your situation, waiting weeks for a bank loan or risking your credit score shouldn’t be your only options. Instead, many entrepreneurs turn to invoice factoring as a fast, flexible, and reliable solution.
What is Invoice Factoring?
Invoice factoring is a financing method that allows businesses to receive immediate cash by selling their outstanding invoices to a factoring company. Instead of waiting 30, 60, or 90 days to get paid by customers, you receive up to 95% of the invoice value within 24 hours. Once your customer pays, the remaining amount is sent to you (minus a small fee).
At American Receivable, we make this process simple and transparent. There are no hidden fees, no long-term contracts, and no debt added to your balance sheet.
The Fastest Path to Cash Flow: How Factoring Works
Here’s how American Receivable helps you get business cash fast:
- Submit your invoices – You provide invoices for completed work to creditworthy customers.
- Get funded in 24 hours – We verify the invoices and deposit funds directly into your account.
- We handle collections – Your customer pays us directly, and we send you the remaining reserve.
- You focus on growth – With steady cash flow, you can grow your business with confidence.
- Whether you’re a startup or an established company, invoice factoring gives you the liquidity you need without waiting months to get paid.
Advantages of Getting Fast Business Cash Through Factoring
- Speed: Most clients are approved within 24–48 hours and receive funding within one day of submitting invoices.
- No New Debt: Invoice factoring is not a loan—there are no repayments and no interest. You’re just getting early access to your own revenue.
- Easy Approval: Approval is based on your customer’s creditworthiness—not your credit score or business history.
- Flexible Use: Use the cash however your business needs: payroll, supplies, taxes, or marketing.
- Scalable: As your receivables grow, so does your access to working capital.
Industries We Serve
At American Receivable, we’ve helped thousands of companies from diverse industries access fast business cash, including:
If you invoice commercial clients and wait to get paid, we can help.
Why Choose American Receivable?
American Receivable has been a top-rated factoring company for over 45 years. Business owners trust us because we offer:
- Same-day funding
- Custom terms with no long commitments
- Competitive rates with no hidden fees
- Exceptional customer service with direct account managers
- Online tools to submit invoices and view account activity 24/7
Unlike national banks or impersonal online lenders, we work directly with you to tailor a factoring solution that fits your business model and growth goals. We’re privately held and independently operated, so our only priority is your success.
Get the Business Cash You Need—Fast
If you’re struggling with slow-paying customers or facing a cash crunch, don’t settle for high-interest loans or complicated bank paperwork. Invoice factoring with American Receivable gives you the speed, flexibility, and peace of mind your business needs to thrive.
Let’s turn your unpaid invoices into immediate working capital—so you can grow with confidence.
Fast cash. No debt. Just smart business.
