Bank-Backed Invoice Factoring & B2B Funding

Competitive rates starting as low as 0.75%. Convert outstanding unpaid invoices into working capital within 24 hours.

Pre-Qualify Your Business

Simple 3-Step Process

1. Submit Invoice

Send us your open invoices for completed work rendered to creditworthy B2B clients.

2. Get Funded

We verify the invoice details and deposit funds (up to 95% advance rate) straight into your bank account.

3. Customer Pays

Your customer settles the invoice directly on terms, and we remit the remaining balance minus our low fee.

Our Funding Criteria

Lending Overview

Acceptable Collateral: Accounts Receivable (A/R)
Lending Structures: Invoice Factoring & A/R Financing
Line Sizes: $30,000 to $5,000,000
Typical Revenue Range: Pre-revenue to $75,000,000

Preferred Industries

We have specialized expertise for businesses in:

Trucking & Freight
Staffing & Payroll
Consulting & IT
Manufacturing
Distribution & Wholesale
Janitorial Services
Facilities Maintenance
Other Commercial B2B

Knockout Conditions

Construction with progress billing
Medicare, Medicaid, or insurance receivables
Software building (unless IT Staffing)
SaaS & subscription revenue models
International receivables
Unpaid major tax liens or judgments
Outstanding UCC liens not willing to subordinate

What Our Clients Say

Real B2B business owners sharing their growth experiences with Instant Quick Capital.

"Our staffing agency grew from 10 to 45 contractors in six months. IQC funded our outstanding receivables within 24 hours, making sure we never missed payroll."

Marcus Vance

Founder, Vance IT Staffing

"Excellent transparency and highly responsive. We secured a $1.2M factoring limit that allowed us to purchase raw materials and scale manufacturing without debt."

Sarah Lin

CFO, Pacific Rim Distribution

"Honest team with absolute fast turnaround. Their expertise in consulting-firm business models made underwriting effortless. Highly recommended."

David K. Kealoha

Managing Partner, Kealoha Consulting

Pre-Qualify Now

Is this construction with progress billing? *

Yes No

Are these Medicare, Medicaid, or Insurance receivables? *

Yes No

Are there any outstanding tax liens or judgments? *

Yes No

✓ Direct Bank Rates ✓ Up to 95% Advance ✓ No Upfront Fees