Accounts Receivable (AR) Financing

Turn Receivables Into Cash Flow

Accounts receivable (AR) financing gives you fast access to capital by advancing on approved invoices, so you can fund payroll, inventory, and growth without waiting thirty to ninety days for payment. In the United States, overdue B2B invoices remain elevated, with about half of credit sales paid late, which keeps demand strong for receivables financing and factoring solutions that shorten the cash gap.

GBFSI structures Accounts receivable financing in the USA to fit your buyer mix, terms, and aging. We calibrate advance rates and reserves to customer credit, concentrations, and documentation, then coordinate onboarding and verifications for predictable funding. For post-shipment liquidity, link to your Invoice Financing page, and for ongoing working capital between draws, link to Bank Lines of Credit.

Key Benefits

Predictable monthly payments, fixed

Lower cost than short-term funding

Terms matched to asset cash flows

Supports expansion, refinance, capex

Works with SBA and bank partners

#Who Qualifies

How Accounts Receivable Funding Works

You submit an accounts receivable schedule with supporting invoices and proofs of delivery. GBFSI screens eligibility, sets a borrowing base, and advances a percentage of each approved receivable. As payments post from your customers, we release the reserve balance net of fees and refresh availability so you can draw again. Structures include notice or silent programs, recourse or nonrecourse factoring, and facility limits that scale as your sales grow. Rising adoption of digital invoicing further speeds collections.

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#Approval Path

Who It Fits Best

Best for U.S. distributors, manufacturers, logistics and staffing firms, healthcare and B2B services with reliable customers but extended terms. Providers evaluate buyer creditworthiness, invoice aging, disputes, and documentation quality. With late payments common and bad debt a persistent risk, well documented accounts and diversified buyers see stronger advance rates and lower cost of funds. GBFSI packages lender-ready files so approvals move cleanly from review to funding.

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# Why GBFSi Wins

Why Choose GBFSI

One secure application connects you to receivables funding programs sized to your pipeline, seasonality, and customer mix. We benchmark advance rates, fees, notification style, and covenants, then manage onboarding and verifications to a predictable close. As your volume scales, we reassess pricing and structure or transition portions of the facility to lower-cost options. U.S. factoring and AR financing markets continue to expand, supporting dependable access to capital.