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Invoice Financing

Stop waiting 30-90 days for customer payments. Turn your unpaid invoices into immediate working capital. Get up to 90% of invoice value within 24 hours. No credit checks, no long-term contracts. Perfect for small businesses, freelancers, and growing companies. Fund your operations, take on new projects, and grow your business without cash flow gaps.

$120M+
invoice value funded
4,500+
businesses funded
24h
avg. funding time
4.87
(4.2k reviews)

Why Choose Us?

Fast, flexible funding

Improve Cash Flow

Turn unpaid invoices into working capital

Take More Orders

Fund growth without waiting for payment

Pay Suppliers Early

Take advantage of early payment discounts

No New Debt

Financing against assets you already have

Avg. funding time
24 hours
Advance rate
Up to 90%

Why Choose Bseech Invoice Financing

Instant Funding

Get up to 90% of your invoice value within 24 hours. No waiting for customer payments. Improve cash flow immediately.

Flexible Terms

Choose which invoices to finance. No long-term contracts. Pay only when your customer pays. Scale financing as you grow.

No Credit Checks

Approval based on your customer's creditworthiness, not your business history. Perfect for new businesses and startups.

Competitive Rates

Simple, transparent fees starting from 1.5% per 30 days. No hidden charges. Pay only for the time you use the funds.

Recourse & Non-Recourse

Choose between recourse financing (lower rates) or non-recourse protection (no liability if customer doesn't pay).

Easy Integration

Connect your accounting software (QuickBooks, Xero, FreshBooks). Upload invoices instantly. Track funding in real-time.

Financing Options

Invoice Factoring

Rate: 1.5-3.5%
Advance: 80-90%
Type: Recourse/Non-recourse

Invoice Discounting

Rate: 1-2.5%
Advance: 70-85%
Type: Recourse only

Spot Factoring

Rate: 2-4%
Advance: 75-90%
Type: Single invoice

Contract Financing

Rate: 1.5-3%
Advance: 50-70%
Type: Based on contract

How Invoice Financing Works

1

Submit Invoice

Upload your unpaid invoice (B2B only)

2

Verify Customer

We verify your customer's credit

3

Get Funded

Receive up to 90% advance within 24h

4

Customer Pays

Customer pays invoice to us

5

Receive Balance

We pay remaining balance minus fees

Fee Examples

Invoice Amount Advance (90%) Payment Terms Fee (1.5%/30d) Total Received
$10,000 $9,000 30 days $150 $9,850
$25,000 $22,500 45 days $562 $23,938
$50,000 $45,000 60 days $1,500 $48,500
$100,000 $90,000 30 days $1,500 $98,500

*Based on 1.5% fee per 30 days. Actual rates may vary based on customer credit and invoice terms.

Calculate Your Funding

See how much you can get and what it costs

$
Advance (90%): $22,500
Estimated Fee (1.5%/30d): $375
Total you'll receive: $22,125

Get funded in 24 hours

Apply Now →

Flexible Pricing

Most Popular

Pay As You Go

1.5%/per 30 days
  • No monthly minimums
  • Fund individual invoices
  • Recourse financing
  • Free credit checks
Get Started

Volume Plan

1.2%/per 30 days
  • $50,000+ monthly volume
  • Discounted rates
  • Dedicated account manager
  • Non-recourse options
Get Started

Enterprise

0.9%/per 30 days
  • $500,000+ monthly volume
  • Custom rates
  • API integration
  • Next-day funding
Get Started

No setup fees. No monthly minimums. Pay only for invoices you finance.

24-Hour Funding

Fastest in industry

No Long Contracts

Cancel anytime

Competitive Rates

From 1.5% per 30 days

Non-Recourse Options

Protection available

Frequently asked questions

How does invoice financing work?

You submit unpaid invoices from creditworthy business customers. We advance up to 90% of the invoice value within 24 hours. When your customer pays, we release the remaining balance minus our fee. You get immediate working capital without waiting 30-90 days for payment.

What are the requirements?

You need B2B invoices with creditworthy customers. No minimum business age required. No personal credit check. We focus on your customer's payment history and creditworthiness. Most businesses qualify with valid invoices.

How much does it cost?

Fees start at 1.5% per 30 days. You pay only for the time you use the funds. For example, if your customer pays in 20 days, you pay 1% (prorated). No hidden fees, no setup costs, no monthly minimums for pay-as-you-go.

What is the difference between recourse and non-recourse?

Recourse financing has lower rates, but you're responsible if your customer doesn't pay. Non-recourse financing has slightly higher rates but protects you completely - if your customer defaults, we absorb the loss. Choose based on your risk tolerance.

How quickly can I get funded?

Most invoices are funded within 24 hours of submission and verification. For existing customers, funding can happen in as little as 4 hours. We have the fastest turnaround in the industry.

Do I need to finance all my invoices?

No! You choose exactly which invoices to finance. Some businesses finance all invoices for predictable cash flow. Others only finance specific invoices to cover gaps or fund new projects. You're in complete control.

Related Services

Ready to unlock your cash flow?

Turn unpaid invoices into working capital today

No commitment. Free credit check. Get funded in 24 hours.