Stop Waiting 30, 60, or 90
Days to Get Paid.
The typical operating procedure for many enterprises is to wait 30, 60, or 90 days for payment — but billing cycles shouldn't create cash-flow problems. Invoice factoring sells your unpaid invoices to a factor at a discounted rate, with a speedier approval process than a standard business loan and far less weight placed on your business credit score.
Application Received!
A Spartan Capital advisor will contact you within 1 hour.
How It Works
From application to funded in as little as 24 hours — here's exactly what happens.
Share your outstanding invoices. We verify them quickly — no lengthy process.
We advance up to 90% of the invoice value. Approval based on your customers' credit.
Funds deposited directly into your account within 24 hours of approval.
When your customer pays, we send you the remaining balance minus a small fee.
Who Is Invoice Factoring Right For?
Any B2B business that invoices other businesses and can't afford to wait on slow-paying clients — get paid today, not in 90 days.
"We were waiting 75 days on a $280K invoice from a major retailer. Spartan gave us $252K in 24 hours. That cash let us take on two more contracts we would have had to turn down."
Apply for Invoice Factoring
in Minutes
Join thousands of business owners who trust Spartan Capital for fast, flexible funding with no surprises.