Accounts Receivable (AR) Financing
Unlock the Value of Your Receivables
Every business faces the challenge of waiting for customers to pay. Standard terms 30, 60, or even 90 days can tie up cash that’s needed for payroll, vendors, inventory, or growth opportunities. The longer invoices sit unpaid, the tighter cash flow becomes.
ClearCoast Capital’s Accounts Receivable (A/R) Financing eliminates the wait. By leveraging your receivables, we provide the working capital you need, right when the work is complete.
What is A/R Financing?
Accounts Receivable financing allows businesses to access cash tied up in unpaid invoices. Rather than waiting weeks or months for payment, you can convert those receivables into immediate liquidity.
This solution is ideal for companies that:
- Experience growth but struggle with slow-paying customers.
- Face seasonal or irregular cash flow cycles.
- Maxed out their current credit line and require additional funding capacity.
At ClearCoast, we view your receivables as a valuable asset. By advancing funds against your outstanding invoices, we help stabilize operations and fuel expansion.
Get the cash you need!
Get the cash you need!
How It Works
With A/R financing, your unpaid invoices become the foundation of a revolving line of credit. Here’s how it works:
- Submit Invoices: Provide ClearCoast with your outstanding receivables.
- Get Advanced Funds: Receive up to 90% of invoice value within days.
- Customer Payment: Your clients pay the invoice directly.
- Balance Returned: Once paid, ClearCoast deducts a small fee and releases the remainder back to you.
Because our focus is on the credit strength of your customers, approval is fast, and funding is ongoing as new invoices are generated.
Why Businesses Choose A/R Financing
Cash flow is the lifeline of any company. ClearCoast A/R Financing ensures you have steady access to working capital to:
- Make Payroll: Keep your team paid without delays.
- Pay Vendors & Suppliers: Strengthen relationships with on-time payments.
- Fulfill New Orders: Cover upfront production or delivery costs.
- Purchase Inventory: Maintain stock and meet customer demand.
- Expand Operations: Invest in staff, equipment, or facilities.
- Handle the Unexpected: Manage surprise expenses without disruption.
Benefits of A/R Financing with ClearCoast
- Possible same-day approvals, with first funding in 2–5 days.
- Ongoing access to working capital within 24 hours of invoice submission.
- Facilities that grow as your receivables grow, no maximums.
- No new debt added to your balance sheet.
- Years in business not required—ideal for startups and established companies alike.
- Keep 100% ownership—no equity dilution.
- Work directly with decision-makers and a dedicated account team.
- Save time and reduce stress with ClearCoast managing A/R processes.
Fast funding. Flexible solutions. ClearCoast Capital helps you turn receivables into reliable working capital so you can focus on running and growing your business—not waiting on payments.
ClearCoast Advantage
A/R Financing
Speed—A streamlined approval process designed to deliver quick decisions and fast access to capital.
Improved Liquidity— Unlock the value of your accounts receivable and convert outstanding invoices into immediate working capital.
Dedicated Support—Work directly with an experienced account management team that partners with your staff every step of the way.
Greater Customer Flexibility—Offer payment terms to key customers while maintaining healthy cash flow.
Why Choose A/R Financing?
A/R financing is an effective solution for businesses needing to stabilize cash flow or fund growth. ClearCoast Capital provides the liquidity you need to:
Make Payroll
Pay Vendors and Suppliers
Fulfill New Orders
Purchase New Inventory
Expand Operations
Handle Unexpected Expenses
ClearCoast Advantage
A/R Financing
Debt-Free Growth—A financing solution that supports expansion without taking on traditional debt.
Flexible Structure —Fewer restrictions and covenants compared to traditional bank lines of credit.
Lower Operating Costs—Use available funds to pay vendors promptly and potentially secure more favorable pricing.
Pursue Larger Opportunities —Take on bigger customers and contracts with confidence, knowing working capital is readily available.
What Our Clients Say
We approached ClearCoast because our accountant highly recommended them, but we expected a turndown as we were behind with the IRS. To our surprise, ClearCoast assisted in structuring a payment plan with the IRS and offered us a Receivables Line!
My business was literally month-to-month. My business partner and I would sit down with the finances and discuss closing the doors… Our customers’ slow pay held our cash flow for ransom. The day my ClearCoast rep walked through our door was the day our business turned around. Now, we have the cash we need to deliver projects on time.
I am a small business owner with limited working capital. My workload increases 200% in the summer. ClearCoast allows me to pay my employees on time without waiting for my net 30 invoices to be paid. They are a lifesaver. Customer service is exemplary. Any questions I have had are handled efficiently and expeditiously. I am a satisfied customer!
We had the opportunity to bid on a huge project that our competitor dropped the ball on. We needed access to cash to staff up and prepare to handle this opportunity. I went to my bank and others, and I was turned down. They didn’t like the fact that we had negative growth in the last year. Never mind that we had double-digit growth for the previous 8 years! After being turned down by five banks, we accepted the fact that we would have to pass on the project. Then ClearCoast Capital met with us and put together a finance strategy for getting us the cash we needed. We won the project and are on track for our most profitable year in 9 years!
ClearCoast Capital provides a useful, cost-effective service for small businesses that need to maintain cash flow while waiting for customers to process payments through their system. It’s an easy process that comes in handy when the workload is heavy and requires capital, but payments for services already rendered are still in receivables. If you find yourself with money owed but low funds in the bank to handle new projects or purchase new materials, give them a call, and one of their friendly, professional representatives will guide you through the process. This is not a paid-for ad…. I really did write this and mean it.