Invoice Factoring

Invoice Factoring Canada

Cash flow is the lifeblood of any business — and when customers delay payments, operations stall. We help Canadian businesses overcome cash flow challenges through fast, flexible, and affordable invoice factoring solutions. Whether you're a startup, small business, or scaling enterprise, our factoring services give you immediate working capital without taking on debt. Call us at 888-771-5980 to see if you qualify for business funding.

Invoice factoring

Invoice factoring is a financing solution that allows businesses to turn their unpaid invoices into immediate cash. Instead of waiting 30, 60, or even 90 days for clients to pay, companies sell their receivables to a factoring company (like us) at a discount and get most of the cash up front — typically within 24 hours.


How it works:


  • You deliver goods/services and issue an invoice.


  • You sell the invoice to us.


  • We pay you up to 95% of the invoice value immediately.


  • We collect the payment from your client.


  • Once paid, we release the remaining balance (minus a small fee).


It’s fast, easy, and keeps your business running smoothly without loans, interest, or new debt on your balance sheet.

Apply

Merchant Cash Advance Canada Quote

Why Invoice Factoring?

Canada’s business landscape is diverse, and economic shifts can create uneven cash flow — especially for SMEs, startups, and seasonal companies. Invoice factoring is an ideal tool for:


  • Improving cash flow


  • Meeting payroll and operating expenses


  • Taking on new contracts


  • Purchasing inventory or equipment


  • Avoiding high-interest loans or credit card debt


Industries that benefit from factoring include manufacturing, transportation, staffing, construction, IT services, wholesale trade, and more.

How We Can Help

When it comes to invoice factoring companies in Canada, not all providers offer the same level of flexibility, transparency, and service. We set ourselves apart with:


✅ Same-Day Funding

We fund invoices in as little as 24 hours — no long waits or red tape.


✅ No Long-Term Contracts

We offer month-to-month terms, allowing you to use factoring only when needed.


✅ Transparent Pricing

Our fees are competitive, clearly disclosed, and designed to support your growth.


✅ Bilingual Service (EN/FR)

We proudly serve clients across Canada in both English and French.


✅ Nationwide Coverage

From Vancouver to Halifax, we serve businesses across all provinces and territories.


✅ High Approval Rates

We focus on the strength of your receivables, not your credit score.

Who Can Benefit from Invoice Factoring?

You’re a great fit for invoice factoring if:


  • You issue invoices to creditworthy customers (B2B or B2G).


  • You experience slow payments (30+ days).


  • You need immediate working capital.


  • You want to avoid debt and preserve equity.


Typical clients include:


  • Trucking & logistics companies


  • Staffing agencies


  • Construction contractors


  • Manufacturing firms


  • Consulting & IT providers


  • Wholesale distributors


Whether you’re just starting out or scaling operations, we tailor solutions to fit your needs.

The Invoice Factoring Process

Apply Online

Fill out our quick application — no paperwork, no stress.


Get Approved Fast

We review your receivables and approve funding in as little as 24 hours.


Submit Invoices

Send us your eligible invoices and we fund up to 95% of their value immediately.


Client Pays Us

Your customer pays the invoice directly to us.


We Pay the Balance

Once we collect full payment, we send you the remaining funds minus our fee.


✅ No minimums

✅ No monthly obligations

✅ Full transparency

Frequently Asked Questions

Is invoice factoring the same as accounts receivable financing?

They are similar, but not identical. Invoice factoring involves selling your invoices, while A/R financing uses invoices as collateral for a loan.


Will my customers know I’m factoring?

Yes, factoring is transparent. However, we handle collections professionally and courteously to maintain your client relationships.


Do I need good credit to qualify?

Not necessarily. We focus more on the creditworthiness of your customers than your credit score.


Is there a minimum invoice amount?

We typically work with invoices of $5,000 or more, but we’re open to discussing your unique needs.


Can I factor only some of my invoices?

Yes — you choose which invoices to factor, and when. Total flexibility.

Get Started Today

Don’t Let Cash Flow Slow You Down. Thousands of Canadian businesses trust invoice factoring to stay ahead — why not you? Whether you’re bridging a gap or financing new growth, we’re here to help.If your business is held back by slow-paying clients, it’s time to stop waiting and start growing. We make invoice factoring in Canada simple, affordable, and stress-free.


✅ Free consultations

✅ Fast approvals

✅ No long-term contracts

✅ Trusted by hundreds of Canadian businesses


Call us now at 888-771-5980 Or apply online — it only takes 2 minutes!