Accounts Receivable Financing in Green Bay, WI
Accounts receivable financing in Green Bay converts your unpaid invoices into immediate working capital, typically within 48 hours.
Accounts receivable financing in Green Bay converts your unpaid invoices into immediate working capital, typically within 48 hours.
Invoice factoring
Accounts receivable financing, often called invoice factoring, lets you sell outstanding B2B invoices to a third-party factoring company at a discount. The factor verifies the invoice, advances most of the face value immediately, and collects payment directly from your customer. When your client pays in full, you receive the reserve balance minus the factoring fee. This structure turns slow-paying receivables into same-week cash without adding debt to your balance sheet.
Green Bay manufacturers, freight brokers along Highway 41, and service contractors serving Oneida and Hobart use factoring accounts receivable financing to bridge the gap between project completion and payment. Because the advance is tied to your customer's creditworthiness rather than yours, even newer businesses with thin credit files can qualify.
Invoice factoring
Factoring in accounts receivable hinges on invoice quality, not your personal FICO score. Underwriters review your customer list, payment history, and invoice terms. Most accounts receivable factoring companies require that invoices are due from creditworthy commercial clients or government entities, free of liens, and not already pledged as collateral. Startups, businesses recovering from cash crunches, and fast-growing firms often find accounts receivable funding easier to secure than traditional bank lines.
A De Pere printing shop that serves corporate clients across Brown County qualified for receivable financing companies even though the owner had been in business only eighteen months. The factor verified invoices from established clients like local health systems and the Green Bay Area Public School District, then structured a facility that advanced funds within 24 hours of each new invoice submission.
Invoice factoring
Businesses tap accounts receivable lending to cover payroll during seasonal lulls, purchase inventory for large orders, and fund equipment repairs without waiting for customer checks. Freight and logistics companies in Suamico use factoring to pay drivers every Friday, even when shippers stretch payment to net-45. Contractors working on municipal projects in Allouez and Ledgeview factor invoices to maintain positive cash flow between milestone payments.
Unlike traditional term loans, accounts receivable factoring loans scale with your sales. As revenue climbs, so does your available funding. When work slows, you simply submit fewer invoices and pay lower fees.
How it works
Myrtle Business Capital brokers accounts receivable financing by connecting your file to a network of factoring accounts receivable companies that compete for your business. We gather your aging report, sample invoices, and customer contact details, then present your scenario to multiple receivable financing companies. This broker model often yields better advance rates and lower fees than approaching a single factor directly.
Visit our office at 700 Pilgrim Way, Green Bay, WI 54304 or call (920) 269-9402 to start a no-obligation review. We'll walk through your invoice aging, explain fee structures in plain terms, and match you with accounts receivable companies that underwrite your industry. Most applicants receive preliminary term sheets within 48 hours.
For a broader overview of funding options across Green Bay and nearby communities, explore our Green Bay commercial lending hub. If your needs include equipment purchases alongside invoice financing, review our equipment financing page. Businesses seeking revolving credit may compare business lines of credit against factoring. We also serve Ashwaubenon, De Pere, Howard, and surrounding areas.
Serving the Green Bay area
We know which lenders fund which kinds of Green Bay businesses, and we position your file where it fits.
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Common questions
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Why Green Bay owners trust Myrtle Business Capital