Turn B2B Invoices Into Cash Today
No Loan required
Invoice Financing - up to 150% of Your Total b2B Accounts Receivable
**$100K Min B2B Invoice Amount**
✔ Not a loan - no debt on balance sheet
✔ Non-recource & recource options
✔ Choose which invoices you want to fund
Get Funded in 3 simple steps:
1. Submit Application & Upload Required Info
2. Receive multiple offers
3. Choose your best offer
Requirements: $100K B2B Invoices, Completed Application, A/R Aging Report, Bank Statements, and Government ID
🔒 Secure Application
✅ No Impact on Credit to Apply
What is Invoice Financing?
Invoice financing gives you immediate access to cash that’s already yours but stuck in B2B invoices. Instead of waiting 30, 60, or even 90 days to get paid, you can unlock that capital today and keep your business moving without slowing down operations.
How much does this cost?
We charge 1-3% of the invoice amount; so you end up with 97%-99% of the original invoice total. Invoice financing is one of the least expensive methods of securing Working Capital.
How does it work?
If your business invoices other businesses (B2B), you can use those B2B invoices as collateral to receive funding upfront. We can advance you up to 95% of a single invoice, or up to 150% of your accounts receivable total.
What can i use this for?
Companies use invoice financing to cover payroll, take on larger contracts, purchase inventory, and maintain consistent cash flow. It’s especially useful for growing businesses that are profitable on paper but constrained by delayed payments.
Can i pay off my existing mCAs?
Absolutely! It can also be used to pay off high-cost debt like Merchant Cash Advances (MCAs), replacing daily or weekly payments with a structure that aligns with your incoming receivables. For many businesses, this means lower pressure on cash flow and more control over their finances.
Easy Application
Our simple online application gets you matched with 3-7 offers in minutes.
Same-Day Funding
Our fintech speed can get you in and out of Underwriting in just a few hours - and Same-Day Funding! (not all programs apply)
LARGER AMOUNTS
Most of our programs provide funding from $50,000 to $5,000,000
Multiple Funding Options
Most of our clients receive 3-7 funding options, many with Same-Day Funding.
how do i Qualify?
B2B Business Model
Your comapny must invoice commercial customers (not consumers)
$100K Min Invoice Amount
If you have B2B invoices totaling over $100K, let us fund working capital through your B2B invoices.
No Minimum FICO
We have financing options for all credit profiles. There is no minimum FICO score required to apply.
Why 1Daycapital.com?
Stellar Reputation
Backed by thousands of 5-star reviews, our business financing experts will work with you to solve your business challenges.
Technology-First Approach
1DayCapital's Intelligence uses AI to streamline the funding process. Get an instant pre-approval and flexible loan options that fit your business needs.
Multiple Options
Choose an offer that makes the most sense for you and your business. Compare offer terms and choose what works best.
Zero Surprises
Clear pricing on all quotes. We provide full transparency on terms. No surprises.
1DayCapital Intelligence - our winning combination of quick delivery and excellent customer care. Getting started is easy.
Step 1. Apply Online
Secure an instant pre-approval. Our application process is straightforward and can be completed in seconds.
Step 2. Review Options
Your personal loan advisor will discuss finance options available with you for your business.
Step 3. Receive Your Funds
Finish the online application process and receive your funds in as little as 24 hours.
Bob J.
Business Owner
"I had an amazing experience with 1DayCapital. My finance advisor, James, was fantastic; he really took the time to explain how Invoice Financing injected immedaite capital into my small staffing company. From application to funding, the entire process was incredibly easy and smooth. Thank you for everything. I highly recommend them!"
Resources & Frequently Asked Questions
Invoice financing allows you to turn unpaid B2B invoices into immediate cash. Instead of waiting 30–90 days for customers to pay, you can access a large portion of that money upfront and keep your business moving.
To qualify, your business must:
- Invoice other businesses
- Invoices must represent completed work or delivered goods
- Receivables must be direct obligations with the invoiced party
- Min of $100K in B2B Invoices
Approval is based more on your customers’ ability to pay than your credit score.
In many cases, funding can happen in as little as 24–48 hours after approval. Some clients receive same-day funding depending on deal size and documentation.