Invoice Factoring for Canadian Businesses: Advance Up to 95%
Are outstanding invoices slowing your business growth? Waiting 30, 60, or even 90 days for commercial clients to pay can strain your cash flow. Our tailored invoice factoring solutions for Canadian businesses bridge the gap between invoicing and getting paid, giving you the immediate working capital you need to thrive.
Whether you are based in Ontario, British Columbia, Alberta, or anywhere else across Canada, we turn your unpaid accounts receivable into instant cash.
Why Choose Our Invoice Factoring Services?
Fast Advances Up to 95%
Don't let your capital stay locked up in unpaid invoices. We provide advances up to 95% of your invoice value within 24 to 48 hours. The remaining balance is returned to you, minus a small factoring fee, once your customer pays.
Non-Recourse Factoring for Maximum Protection
We absorb the credit risk so you can run your business with total peace of mind. With our non-recourse invoice factoring, if your commercial customer defaults or files for bankruptcy, your business isn't held liable for the unpaid amount.
Flexible 90-Day Credit Terms
Do you offer extended payment terms to secure larger contracts? We specialize in funding Canadian companies that bill their commercial customers on credit terms of up to 90 days. You can continue offering flexible terms to your clients while maintaining a steady stream of working capital.
Seamless Cross-Border & Domestic Funding
Are you exporting goods or providing services south of the border? We fully support your international growth. Our team specializes in factoring both domestic Canadian accounts and commercial customers or buyers located in the USA. You get the same fast advances and credit protection regardless of which side of the border your clients are on.
Tailored Financing Across Diverse Canadian Industries
Every sector faces unique cash flow obstacles. We provide specialized invoice factoring services across a broad spectrum of industries, including:
Trucking & Logistics
Fuel your fleet without delay. Cover fuel, maintenance, and driver payroll instantly instead of waiting on slow domestic or cross-border broker payments.
Staffing Agencies
Meet weekly or bi-weekly payroll demands seamlessly, even when your corporate clients operate on 60 or 90-day billing cycles.
Manufacturing & Distribution
Secure raw materials, optimize supply chains, and fulfill large production or export orders to the US without hitting cash flow bottlenecks.
IT & Tech Companies
Fund rapid scaling, software development sprints, and specialized tech talent acquisition for both Canadian and American corporate accounts without diluting equity.
Wholesale & Service Sectors
Maintain healthy inventory turnover and bridge the cash gap between delivery and final customer payment.
Benefits of Factoring Your Canadian Invoices
Invoice factoring is highly accessible, making it an ideal choice for fast-growing startups, luxury boutique fashion labels, and established textile mills alike. You are an excellent candidate for fashion factoring if you meet the following criteria:
- Predictable Cash Flow: Pay your suppliers, cover payroll, and fund daily operations without waiting on slow-paying clients.
- No Debt Incurred: Factoring is asset-based financing, meaning you are not taking on a traditional bank loan or accumulating debt.
- Cross-Border Expertise: We handle credit checks and professional collections for buyers in both Canada and the United States.
- Simple Qualification: We look at the creditworthiness and payment history of your commercial customers rather than just your startup's financial history.
How It Works in 4 Simple Steps
1. Deliver Your Services:
Bill your commercial customers in Canada or the USA on credit terms of up to 90 days.
2. Submit Your Invoices
Send copies of those invoices directly to our factoring team.
3. Receive Your Advance
We deposit up to 95% of the invoice value into your business bank account within 24–48 hours.
4. Collect and Settle
We collect the payment from your customer at the end of the credit term. Once paid, we release the remaining balance (the rebate) to you, minus our fee.
Unlock Your Business Cash Flow Today
Stop waiting, 30, 60 or 90 days to get paid. Partner with a trusted Canadian invoice factoring company and get the financial flexibility your business deserves.
Get Started
Contact our Canadian invoice factoring team today to create a tailored facility that supports ongoing corporate growth.
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