Trusted by Businesses Across the US
How To Apply for Invoice Factoring
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What information do I need to apply for invoice factoring?
When applying for invoice factoring with Capixa, you’ll need the following:
- Business Tax ID
- Social Security number of the business owner(s)
- Most recent business bank statements — not older than three months
- Operational start date of your business
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What do I need to qualify for business invoice factoring?
To qualify for invoice factoring with Capixa, your business must meet these criteria:
- Business owner(s) need a personal FICO score of >500
- Be operational for a minimum of three months
- Generate >$80,000 in annual revenue
- Have a business checking account
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Do I have to accept the offer if I apply?
No — you are under no obligation to accept an offer after applying for invoice factoring or any other type of funding at Capixa.
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Can I apply for business invoice factoring if my business is located outside of the United States?
No. Capixa provides flexible funding solutions for U.S.-based businesses that are owned by a U.S citizen or a legal resident.
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Can I apply for funding if my business is not based in the United States?
No. At Capixa, we only work with businesses that are based in the United States and owned by a U.S citizen or permanent resident. If you are unsure about your eligibility status, please contact us.
Invoice Factoring Benefits
Fast and Accessible Funding
Instead of having to wait 30 to 120 days for customer payments, invoice factoring provides a safe and immediate source of funding by releasing the tied up working capital in unpaid invoices.
Improved Cash Flow
Invoice factoring allows immediate access to funding without needing to wait for customer payments, helping your business meet its financial obligations, maintain smooth operations, and invest when the opportunity is there.
Fewer Payment Delays
Timely customer payments can be crucial during a cash flow crunch. By providing funding upfront, invoice factoring mitigates the impact of slow-paying customers, giving your business the financial support it needs to deal with financial strain.
No Collateral
Unlike other loans that require collateral, invoice factoring uses your unpaid invoices as security, so no additional collateral is needed from your business.
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No Mounting Debt
With invoice factoring, you’re essentially selling an asset (your unpaid invoices), which means you won’t need to deal with more debt and repayments after the initial transaction.
No Fixed Repayment Schedule
Invoice factoring collections are handled directly with your customers, leaving you with no fixed repayment schedule and reduced cash flow stress.
Why Choose Capixa for Invoice Factoring?
At Capixa, our team specializes in bridging the financial gap between your business and success.
We offer custom invoice factoring solutions designed to support your business by helping you get the funding you need, when you need it, on your terms.
Invoice Factoring FAQs
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What is invoice factoring?
Invoice factoring lets you sell your business’s outstanding invoices at a discounted rate to a third party (known as a “factor”).
Instead of waiting for customer payments, you get a profit advance, giving you upfront cash when your business needs it.
Capixa’s custom solutions are designed with you in mind. Talk to our team to find the best invoice factoring solution for your business.
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What is the difference between invoice factoring and invoice financing?
The main difference between invoice factoring and invoice financing is the role of the invoices in the agreement.
With invoice factoring, you sell invoices to the factoring company or factor for a cash advance, while invoice financing requires your invoices as collateral for a loan.
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Is invoice factoring considered a loan?
As there is no collateral or repayment involved, invoice factoring is not considered a traditional loan type. It is, however, a legitimate financing option for businesses and an effective solution for cash flow problems.
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What industries can benefit from invoice factoring?
Invoice factoring works particularly well for businesses that deal with B2B transactions and have longer payment cycles like manufacturing or wholesale. However, most businesses can benefit if they:
- Have high upfront costs
- Have seasonal cashflow fluctuations
- Deal with long payment terms
- Need to meet regular expenses like payroll
- Want to tackle larger projects without having to wait for payment
No matter your industry, Capixa is trusted by companies of all shapes and sizes across the U.S. for tailored, flexible invoice factoring solutions.
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Will invoice factoring hurt my company’s credit score?
No. As invoice factoring does not involve taking out a loan, it doesn’t affect your business’ credit score.
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