Invoice Factoring
Sell your unpaid invoices to Pulse and get most of the value in cash today instead of waiting 30, 60, or 90 days. We collect from your customer; you keep moving.
What it is
Invoice factoring turns your accounts receivable into immediate cash. Instead of waiting weeks for a customer to pay, you sell the invoice to Pulse and receive up to 90% of its value the same day. When your customer pays, you get the remaining balance minus a small factoring fee.
Because you're advancing money you've already earned, factoring isn't a loan—there's no new debt on your balance sheet, and your available funding grows automatically as you invoice more. We manage the collections, freeing your team to focus on the work.
Best for
- B2B businesses with long payment cycles—staffing, trucking, manufacturing, and wholesale.
- Companies that need to bridge the gap between invoicing and getting paid.
- Owners who want funding that scales with sales rather than a fixed limit.
- Teams that would rather hand off collections than chase customers for payment.
How it works
1. Submit your invoices
Send us the invoices you want to factor through your dashboard—no minimums to start.
2. Get verified
We verify the invoices and your customer's creditworthiness, usually within hours.
3. Receive your advance
Up to 90% of each invoice's value lands in your account the same day.
4. We collect, you get the rest
When your customer pays us, you receive the remaining balance minus a small fee.
Rates & terms
- No new debt—you're advancing money you've already earned.
- Funding scales automatically as your invoice volume grows.
- We handle collections, so your team stays focused on work.
Eligibility & requirements
Most businesses that meet our three core thresholds can qualify:
- 6+ months in business
- $15,000+ in monthly revenue
- 500+ personal credit score
- A US-based business bank account
Why businesses choose it
Same-day cash
Turn 30/60/90-day receivables into money today.
Off your balance sheet
Factoring isn't a loan—no debt added to your books.
Scales with sales
The more you invoice, the more funding you unlock.
Collections handled
We chase the payment so you don't have to.
Frequently asked questions
No. You're selling an asset you already own—your unpaid invoice—for immediate cash. There's no debt added to your balance sheet and no fixed monthly repayment.
Up to 90% of the invoice value is advanced the same day. The remaining balance, minus a small factoring fee, is released once your customer pays.
In most arrangements we collect payment directly, so your customer remits to us. We handle this professionally and represent your brand with care.
No. You choose which invoices to factor and when—there are no minimums or long-term volume commitments to get started.
Related funding
Not sure this is the perfect fit? These products solve similar needs in different ways.
Stop waiting on slow-paying customers.
Convert your unpaid invoices into same-day cash and keep your business moving—apply in minutes with no hard credit check to start.