Invoice
Factoring
Struggling with Cash Flow? Let ClearCoast Capital Help!
What is Invoice Factoring?
Invoice Factoring is not a loan. Instead, ClearCoast Capital purchases your receivables as an asset, advancing funds so you can access cash right away. This creates a steady flow of working capital that’s available whenever you need it.
If you’re waiting 30, 60, or even 90+ days for your customers to pay, factoring eliminates the strain of slow payments by advancing up to 90% of the invoice value within 24 hours. The remaining balance is released once your customer pays, minus a small fee.
Unlike traditional financing, approval is based on your customers’ creditworthiness, not your business or personal credit. That makes factoring a flexible option for companies of all sizes—whether you’re just starting out or rapidly expanding.
How Invoice Factoring Works
- Step 1: Generate an Invoice
After delivering your product or service, you send an invoice to your customer and ClearCoast. - Step 2: Submit for Factoring
You provide the invoice and supporting documents to ClearCoast. - Step 3: Advance Funding
ClearCoast verifies the invoice and advances up to 90% of the invoice amount, typically within 24 hours. - Step 4: Customer Payment
Your customer pays ClearCoast directly on the agreed-upon terms. - Step 5: Final Balance
Once payment is received, ClearCoast remits the remaining balance back to you, less our fee. - Step 6: Repeat as Needed
The process can be repeated as often as you generate new invoices, giving your business constant access to cash flow.
Get the cash you need!
Get the cash you need!
Why Does My Business Need Invoice Factoring?
- Opportunity: Use outstanding invoices to generate fast working capital instead of waiting months for payment.
- Solution: Cover payroll, purchase inventory, and reinvest in growth with immediate access to funds.
- Flexibility: No debt is added to your balance sheet, and funds are unrestricted—use them however your business needs.
Benefits of Invoice Factoring
- Same-day approvals, with funding in as little as 2–5 days for initial setup
- Working capital within 24 hours of submitting an invoice
- No debt or equity required—you retain 100% ownership
- Unlimited receivables financing, scaling as your business grows
- Back-office support: ClearCoast handles collections and customer communication
- Decisions based on customer credit, not your business history
- Deal directly with decision makers
- Ideal for seasonal businesses, rapid growth, or slow-paying customers
ClearCoast Advantage
With ClearCoast Capital’s Invoice Factoring, you don’t have to wait on customer payments to move your business forward. We provide the cash you need, when you need it, so you can focus on running and growing your business—not waiting to get paid.
ClearCoast Advantage
Invoice Factoring
Accelerated Cash Flow—Turn unpaid invoices into immediate working capital to keep operations moving.
Support for Growth —Take on larger customers and increase sales capacity without waiting on payments.
Flexible—Approvals are based primarily on invoice and customer quality, not just balance sheet strength.
Operational Confidence—Maintain consistent cash flow to meet payroll, vendor, and supplier obligations on time.
How Invoice Factoring Works
Here’s how the process works when you partner with ClearCoast Capital for invoice factoring. This process allows businesses to maintain a steady cash flow without the delays caused by slow-paying customers or seasonal fluctuations.
Generate an Invoice
After completing a product or service for your customer, you generate an invoice and send it to your client and ClearCoast.
Submit for Factoring
You submit the invoice and any supporting documentation to ClearCoast.
Verification and Advance
ClearCoast verifies the invoice and advances you up to 90% of the invoice amount. Working capital is deposited directly into your bank account within 24 hours.
Customer Pays
Your customer pays the invoice directly to ClearCoast.
Final Payment
Once ClearCoast receives payment, we will remit the remaining balance back to you, minus a small factoring fee.
Repeat as Needed
You can repeat the process as often as you generate new invoices.
Who Can Benefit from Invoice Factoring?
- Businesses with Slow-Paying Clients: Invoice factoring allows you to access cash quickly without waiting for payments to arrive if your clients pay on extended terms.
- Businesses Experiencing Rapid Growth: Factoring provides the flexibility to fund your operations and growth without being limited by slow receivables.
- Seasonal Businesses: Businesses with seasonal cycles can use invoice factoring to smooth out cash flow throughout the year.
- Small to Medium-Sized Businesses: If you’re just starting or are in the early stages of growth, invoice factoring can provide the necessary capital to help your business succeed without the stringent requirements of traditional loans.
ClearCoast Advantage
Invoice Factoring
Growth-Oriented Capital—Financing designed to support where your business is going, not where it has been.
Strategic Alternative to Debt—Avoid long-term borrowing and let your receivables drive your working capital.
Direct Access to Decision Makers—Speak directly with experienced professionals empowered to move deals forward.
Proven Expertise—Benefit from a team with deep experience funding businesses across multiple industries.
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.