You Did the Work. Why Wait 60 Days to Get Paid?
Invoice factoring turns your unpaid invoices into cash now, so slow-paying customers stop dictating how fast your business can grow.
No obligation. No pressure. Just a clear look at your numbers.
Net 30 Is a Polite Way of Saying You Are the Bank.
You delivered the product. You did the job. You sent the invoice. Now you are paying your payroll, suppliers, and rent while waiting weeks for your customers to pay you.
Every new contract makes the gap bigger. The more you grow, the more cash you have tied up in receivables.
Sound familiar?
Sound familiar?
- Customers pay in 30, 60, or even 90 days, but your bills are due now
- You turn down large orders because you cannot front the costs
- You are using credit cards or high-cost loans to cover the gap
- Growth feels like it is putting you at risk instead of making you stronger
- Your bank will not lend against receivables or moves too slowly
You do not have a sales problem. You have a waiting problem. We fix that.
Factoring Matched by a Funding Firm, Not a Single Factor.
Factoring companies differ widely in fees, contract terms, and how they treat your customers. We help you find the right one.
Lender and Factor Matching
We place your business with factors that fit your industry, invoice size, and customer base.
Transparent Fee Breakdown
You will see the advance rate, the discount or factor fee, any additional charges, minimum volumes, and contract length before you decide.
Customer-Friendly Approach
How a factor treats your customers matters. We help you choose partners that handle collections professionally.
A Real Person Who Picks Up
You get a dedicated point of contact, not a ticket number.
Factoring Structures for Different Businesses.
Spot Factoring
Factor individual invoices when you need them, with no long-term commitment, where available.
Contract Factoring
Ongoing arrangements with better pricing for regular volume.
Recourse Factoring
Lower fees, with you taking on the risk if a customer does not pay.
Non-Recourse Factoring
The factor takes on credit risk of customer non-payment under defined conditions, usually at a higher fee.
Accounts Receivable Financing
Borrow against your receivables while keeping control of collections.
Industry-Specific Factoring
Programs built for trucking, staffing, construction, government contractors, and more.
Three Steps. Zero Guesswork.
Send Us Your Invoices
Share a few recent invoices and your customer details. That is all it takes to start.
Get Your Terms
We show you the advance rate, fees, and total cost, and what you would receive on your actual invoices.
Get Paid Faster (Only If It Makes Sense)
If factoring helps, we handle the setup, and you can see cash within days of submitting invoices. If a different product fits better, we will tell you.
Built for Businesses That Invoice Other Businesses.
Slow-paying customers are not a mark against you. Ask us how factoring works for your industry.
Your Customers' Credit Can Fund Your Growth.
At GarciaSRB, everything connects. Through our 3 Paths of Lending framework, we help businesses access capital through credit, revenue, and assets.
Factoring turns an asset you already own, your receivables, into working capital. Because approval leans on your customers' creditworthiness, it can be an option when your own credit is not where you want it, and it grows with your sales.
Questions, Answered.
Stop Waiting. Start Growing.
One quote. Real numbers on your real invoices. No obligation.