Invoice Factoring — Turn Invoices Into Immediate Cash

What Is Invoice Factoring?

Invoice factoring is a financing solution where you sell your outstanding invoices (accounts receivable) to a factoring company at a discount in exchange for immediate cash. This allows you to get paid right away instead of waiting 30, 60, or 90 days for your customers to pay. It's not a loan — it's a sale of your receivables.

How Does Invoice Factoring Work?

You deliver goods or services and issue an invoice to your customer. You sell that invoice to VACA Funding at a discount (typically 1-5%). We advance you up to 90% of the invoice value immediately. When your customer pays, you receive the remaining balance minus the factoring fee.

Benefits of Invoice Factoring

Immediate cash flow from outstanding invoices, no debt added to your balance sheet, approval based on your customers' creditworthiness (not yours), funding scales with your sales, and professional collection services included.

Who Should Use Invoice Factoring?

Invoice factoring is ideal if you have B2B customers with 30-90 day payment terms, need immediate cash flow to fund operations, have creditworthy customers but limited business credit, want to avoid taking on debt, or need funding that grows with your sales.