US invoice factoring
Invoice Factoring in the United States: published rates, terms, and eligibility
20 US providers of invoice factoring with published pricing, compared on cost, term, funding speed, and eligibility. Published costs run 1%–5%, quoted as discount fee.
For US businesses comparing invoice factoring and the advisors, brokers, and finance leads preparing those comparisons.
| Provider | Published cost | What it measures | Term | Funding speed | Published criteria |
|---|---|---|---|---|---|
| AltLine | 1%–3% | Discount fee | Per trade cycle | 48 hours | Published criteria do not state a minimum revenue, trading history, or credit score. |
| American Receivable | 1%–3% | Discount fee | Per trade cycle | 24 hours | Requires $120,000+ in annual revenue. |
| Bankers Factoring | 1%–2.5% | Discount fee | Per invoice, non-recourse | 3–5 business days | Requires $300,000+ in annual revenue. |
| DSA Factors | 1%–3% | Discount fee | Per trade cycle | 24–48 hours | Published criteria do not state a minimum revenue, trading history, or credit score. |
| eCapital | 1%–3% | Discount fee | Per trade cycle | 24–48 hours | Published criteria do not state a minimum revenue, trading history, or credit score. |
| Paragon Financial | 1%–3% | Discount fee | Per trade cycle | 24–48 hours | Requires $300,000+ in annual revenue. |
| Prestige Capital | 1%–2.5% | Discount fee | Per trade cycle | 3–5 business days | Requires $1.2M+ in annual revenue. |
| TCI Business Capital | 1%–3% | Discount fee | Per trade cycle | 24–48 hours | Requires $600,000+ in annual revenue. |
| Viva Capital | 1%–3.5% | Discount fee | Per trade cycle | 24 hours | Requires $240,000+ in annual revenue. |
| Gulf Coast Business Credit | 1.5%–3% | Discount fee | Per trade cycle | 24–48 hours | Published criteria do not state a minimum revenue, trading history, or credit score. |
| Interstate Capital | 1.5%–3.5% | Discount fee | Per trade cycle | 24 hours | Published criteria do not state a minimum revenue, trading history, or credit score. |
| MP Star Financial | 1.5%–3% | Discount fee | Per trade cycle | 24 hours | Published criteria do not state a minimum revenue, trading history, or credit score. |
| Security Business Capital | 1.5%–3.5% | Discount fee | Per trade cycle | 24–48 hours | Published criteria do not state a minimum revenue, trading history, or credit score. |
| Triumph Business Capital | 1.5%–4% | Discount fee | Per trade cycle | 24 hours | Published criteria do not state a minimum revenue, trading history, or credit score. |
| Universal Funding | 1.5%–3% | Discount fee | Per trade cycle | 24 hours | Published criteria do not state a minimum revenue, trading history, or credit score. |
| FundThrough | 2%–5% | Discount fee | Per trade cycle | 24 hours | Published criteria do not state a minimum revenue, trading history, or credit score. |
| J D Factors | 2%–4% | Discount fee | Per trade cycle | Same day | Published criteria do not state a minimum revenue, trading history, or credit score. |
| OTR Solutions | 2%–4% | Discount fee | Per trade cycle | Same day | Published criteria do not state a minimum revenue, trading history, or credit score. |
| Riviera Finance | 2% and up | Discount fee | Per invoice, non-recourse | 24 hours | Requires $10,000+ in annual revenue. |
| RTS Financial | 2%–4% | Discount fee | Per trade cycle | Same day | Published criteria do not state a minimum revenue, trading history, or credit score. |
What the cost column measures
- Discount fee
- Charged per invoice or trade cycle rather than per year. A fee that looks small can annualise into a much larger number when cycles repeat through the year.
How to read these costs
The providers below do not all quote cost the same way, and the differences matter more than the numbers themselves. This comparison uses a single quoting convention. Costs stated on different bases are not directly comparable, and converting between them requires knowing the actual drawn amount, the repayment period, and the fee schedule.
Caplift shows the basis alongside every figure rather than reducing everything to one column, because that reduction is where comparison usually goes wrong. A fee that is charged once per trade cycle will annualise very differently depending on how many cycles a business runs in a year.
- Discount fee: Charged per invoice or trade cycle rather than per year. A fee that looks small can annualise into a much larger number when cycles repeat through the year.
What US providers actually require
Across the 20 providers listed, 7 state a revenue floor, with a median of $300,000. 13 providers publish no numeric criteria at all, which usually indicates case-by-case underwriting rather than an absence of standards.
Stated minimums are thresholds for consideration, not predictors of approval. A business that clears every published criterion can still be declined on concentration, industry, the quality of its records, or the lender's current appetite — and a business that misses one can still be funded where the rest of the file is strong.
- Median published revenue floor: $300,000
- Providers publishing no numeric criteria: 13 of 20
- Published criteria gate consideration, not approval
Speed, and what it costs
The fastest published funding timeline in this set is 24 hours (American Receivable), and 11 providers publish a timeline of one business day or less. Speed is rarely free: the providers that fund fastest generally price higher, secure differently, or underwrite on narrower information than those that take weeks.
If timing is the binding constraint, it is worth separating the deadline that is real from the one that is preference. Paying a materially higher cost of capital to compress a timeline by a week is sometimes correct and often not, and the answer depends on what the funds are for.
Where an invoice factoring facility fits
Invoice Factoring is one structure among several, and the comparison that matters is not which provider is cheapest within this page but whether this product suits the underlying need at all. Matching the financing term to the life of what it funds is the single most useful discipline here: short-duration capital against a long-lived asset creates refinancing risk that no rate advantage compensates for.
Caplift's assessment works through the same inputs a lender will: capacity, purpose, existing obligations, and the evidence behind the numbers. It produces a readiness view and a structured comparison, and it leaves the decision with the business and its advisors.
Common questions
Questions businesses ask
What does invoice factoring cost in the United States?
Across the 20 providers compared here, published costs run 1%–5%, quoted as discount fee. That is an indicative range from published material, not a quote — actual pricing depends on the amount, the term, the security offered, and the provider's assessment of the business.
How quickly can invoice factoring be funded?
Published timelines in this set range from 24 hours at the fastest. Published timelines describe the provider's target once a complete file is submitted, and the preparation time before that point is usually the larger part of the calendar.
Does Caplift lend, or take a position in these facilities?
No. Caplift Financial Inc. is software. It does not lend, approve, originate, guarantee, or take any principal position in financing. Providers listed here are compared from published information, and their inclusion does not indicate a commercial relationship with Caplift.
How current are these figures?
They reflect Caplift's Q1 2026 catalogue review. Curated from named US lenders; confirm individual terms before relying on them. Pricing and eligibility change without notice, so confirm current terms directly with any provider before relying on them.
About this data, and its limits
- Figures are drawn from Caplift's Q1 2026 lender catalogue review and are indicative, not quotes. Curated from named US lenders; confirm individual terms before relying on them.
- 20 of 20 providers in this catalogue publish indicative pricing and appear below.
- Inclusion is not an endorsement, a recommendation, or an offer, and does not indicate a commercial relationship with Caplift. Pricing and criteria change without notice — confirm current terms directly with the provider before relying on them.
- Caplift compiles this information to the best of its ability from publicly available provider material, but does not guarantee that it is accurate, complete, or current, and accepts no liability for decisions made in reliance on it. Figures may be out of date or incorrect. Verify anything you intend to act on directly with the provider.
- Caplift Financial Inc. is not a lender and does not approve, originate, or guarantee financing. Nothing on this page is legal, financial, tax, accounting, or investment advice, and it should not be treated as a substitute for advice from a qualified professional who knows your circumstances.