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1% Invoice Factoring + Advances up to 98%

Unlock working capital tied up in customer invoices – without waiting for your customers to pay. We offer free same day funding to our factoring clients with low fees and high advances.

Opportunity Cost Calculator

Use our invoice factoring calculator to determine whether factoring receivables could expedite cash flow in your business.

  • Your Current Total Accounts Receivable
    $1,000 $5,000,000+
  • Your Average Customer Invoice Amount
    $0 $250,000+
  • Advance Rate for Factored Invoices (Advances usually range from 85-98%)
    85% 98%
  • Factoring Fee (Factoring fee usually ranges from 1-5%)
    1% 5%

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  • Expedite working capital tied up in customer invoices, without waiting for customers to pay Working Capital Unlocked $0
  • Average Factoring Fee $0

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Invoice Factoring Calculator

Use our opportunity cost calculator to determine whether expediting cash flow using invoice factoring would be beneficial to your organization.

Use the sliders to estimate the amount of your outstanding customer invoices, average invoice amount, expected or known invoice factoring rate and desired or current advance rate. By calculating opportunity cost, you can find out how unlocking the working capital locked down in customer invoices could allow you to expedite cash flow and put the money to work to grow your business faster.

What is Invoice Factoring?

Invoice factoring is a business finance tool that can provide your organization with immediate access to money owed by your customers, without waiting 30, 60, 90 days – or even longer – for the invoices to be paid.

Instead of waiting for your customers to pay, you can factor (or sell) an invoice to us for a small fee and receive an immediate advance, which could be up to 98% of the invoice amount. Though the need for expedited or more consistent cash flow is the reason most companies decide to factor invoices, some of the other common reasons cited by our clients include:

  • Need for working capital to fuel business growth
  • Working capital can be leveraged for better terms with suppliers
  • Customer accounts with generous terms, often 30-90 days
  • Need working capital to take on larger accounts or big orders
  • Slow-paying customers
  • Better ability to meet operating expenses and payroll
  • Capital expenditures like equipment purchases, repairs, renovation or expansion

The practice of invoice factoring is centuries old and has played an important role as a means of business finance. Any organization, of any size, that provides goods or services to other businesses, government agencies or other commercial organizations on payment terms may be able to factor receivables in order to improve cash flow and unlock working capital.

What are the Benefits of Invoice Factoring?

Businesses that want to expedite payment of accounts receivable invoices can turn to a receivables factoring company like DB Squared.

Factoring receivables enables you to focus on growing your business rather than chasing invoices or performing collections. You can gain immediate access to working capital by speeding up cash flow, so that you can reinvest in your company much more quickly. 

Factoring receivables could also be the key to positioning your business to be able to take advantage of emerging opportunities. Organizations that factor invoices expedite cash flow, which means they have more flexibility to meet operational expenses, extend more generous payment terms to their customers as a competitive advantage, and can reinvest working capital in their business more quickly in order to expand, service larger accounts or take on new customers.

There are also additional benefits for businesses that choose non-recourse invoice factoring over factoring with full recourse. Non-recourse factoring is less common in today’s economy because non-recourse factors assume the credit risk for the invoices they purchase. DB Squared is a non-recourse factoring company, which means our factoring clients may be able to completely eliminate financial risk from bad debt.

Find out more about factoring invoices with recourse vs. non-recourse factoring companies.


Why Factor Invoices with DB Squared?

Invoice Factoring Fees as Low as 1% – Advances on Factored Invoices Up to 98%

DB Squared offers some of the lowest invoice factoring fees and highest advance rates in the industry, but that’s not the only reason you should consider factoring invoices with us.

Our invoice factoring services stack up favorably against the best invoice factoring companies. Right from the get-go, we look for reasons to say “Yes!” when other factoring companies might say no.  Our clients appreciate this flexible, positive approach, as well as:

  • Free same day funding
  • No long term contracts
  • No monthly minimums (you choose when and how much to factor)
  • Retain control of billing your customers or let us do the work
  • Non-recourse factoring (we assume the credit risk)
  • Free credit checks on your customers
  • No application or due diligence fees
  • No schedule processing, notification or any other hidden fees

Even more importantly, we offer a consistently high level of professional customer service to our factoring clients. Our clients each have a dedicated, experienced account manager who understands their preferences and unique business needs, saving time and reducing the stress of managing receivables.


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Invoice Factoring – Industries We Serve

Our factoring clients represent organizations in many different industries, including; 

  • Staffing and temporary employment agencies (security services, nursing, etc.)
  • Business consulting and B2B business services
  • Trucking, transportation and logistics
  • Supply chain distributors and manufacturers
  • 3rd party sellers like Zulily vendors and Amazon merchants
  • Vendors selling through Costco, Sams Club, Walmart and other mass retailers
  • Textile, clothing, accessories and other wholesalers
  • Oil and gas (and all gas and oil field contractors)
  • Energy and utilities companies and contractors

And others – feel free to ask!  Nearly any type of company that invoices customers for payment or waits more than 15 days or more to get paid after completing delivery of goods or fulfillment of services might be able to improve cash flow immediately by factoring invoices.

A simple 1-page application is all it takes to find our whether invoice factoring would benefit your business. Apply online or contact us at 866-855-3640 for more information today.