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Invoice Factoring Comparison

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Customer SupportExcellentExcellentExcellentExcellentExcellent
Ease of ApplicationExcellentExcellentExcellentGoodGood
Borrower Qualifications
Required Time in Business3 months9 monthsN/AN/A12 months
Required Credit Score530550N/AN/AN/A
Required Business Revenue$10K/monthN/A$50K/yearN/A$500K/year
Product Details
Product TypeInvoice factoringBusiness finance aggregator; offers invoice factoring/financingInvoice financingInvoice factoringAsset-backed Line of Credit
Credit Facility Size$20K - $5MVariesUp to $100K$5K - $2M$250K - $1M
Advance Rate85% - 90%Varies100%Up to 95%N/A
Max Overdue Account12 weeksVaries90 days60 daysN/A
Discount or Interest Rate0.25% - 1.7% per weekVaries$52 - $82 for every $1KStarts at 2%High teens
Additional FeesNoneVariesNonePossible early termination fee1.5% origination fee; possible early termination fee
Contract LengthN/AVariesN/AUsually 6 months1 year
Monthly Minimums/MaximumsNoneVariesNoneNoneN/A
Factor All Invoices?NoVariesNoNoN/A
Recourse or Non-recourseRecourseBothN/ANon-recourseN/A
Notification or Non-notificationBothBothN/ANotificationN/A
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