Invoice Factoring

Factoring Companies in California

As entrepreneurs ourselves, we understand the challenges of maintaining a steady cash flow. We empathize with the stress of needing to cover daily expenses or pursue growth projects while valuable working capital remains tied up in accounts receivable. It’s a difficult situation that can hinder your business’s progress and hinder your ability to seize new opportunities. That’s factoring comes in. By working with a factoring company, you can unlock the cash trapped in your invoices and regain control of your cash flow.

A reliable factoring company in California can be the solution by paying your outstanding invoices in days, saving you months of waiting on net terms. While we can’t make the decision for you when it comes to choosing a factoring partner, we will delve into the pros and cons of a few noteworthy options. Additionally, we will outline the criteria to evaluate potential partners based on feedback we’ve received from our own clients. With this information, you’ll be empowered to make an informed choice and optimize your accounts receivable processes.

Factoring Companies in California: Top 4 Options

When exploring different factoring companies in California, it’s important to consider factors that align with your specific needs and priorities. Take the time to evaluate these criteria and find the best fit for your business. Reputation is key, so look for a company with a solid track record and positive customer reviews. Pay attention to the fee structure to ensure it aligns with your budget and financial goals. Consider the credit requirements and make sure they are reasonable for your business’s situation. Speed is important too, so find out how quickly you can access funds when you need them. By evaluating these factors among others, you’ll be able to make an informed decision and find the right factoring company that can support your business’s growth and financial stability.

Here are four factoring companies in California worth considering.


FundThrough provides fast and flexible funding solutions for businesses in California. As entrepreneurs themselves, we’ve experienced the importance of cash flow for growing businesses. FundThrough stands out for our online platform, which allows businesses to quickly and easily manage their invoices and funding requests. We fund businesses like yours in days, bridging the gap between invoice issuance and payment so you can get working capital for growth projects, payroll, and more.



Quick access to capital: With FundThrough, you can get your invoices paid in just a matter of days, providing you with the funds you need in days.

AI-powered and automated platform: The FundThrough platform is designed with advanced AI and automation features, ensuring a quick and seamless funding experience for users.

Flexible funding options: FundThrough allows you to access funding whenever you need it, with no minimum funding volume required after your initial funding.

Streamlined funding process: Submitting an invoice for funding is as easy as a single click after the customer setup, simplifying the overall funding process.

No long-term commitment: Unlike some other factoring companies, FundThrough doesn’t require long-term contracts. You have the freedom to fund only when you want to.

Easy application process: Get started and see if you’re qualified, then set up an account. No need for cumbersome paperwork. 

100% advance rates: We advance the full invoice total less our fee.

Transparent pricing: FundThrough follows a straightforward pricing structure, with a single up-front fee. For specific pricing details, please refer to our pricing page.

Take on growth projects: Get working capital to take on big projects that will grow your business.

Unlimited funding: You can get funding for as many invoices as you have for any amount.

Dedicated account support: When partnering with FundThrough, you can expect personalized support from your dedicated account manager, assisting you with every step of the funding process.

Accounting integrations: FundThrough offers integration with popular accounting software like QuickBooks and Enverus, allowing you to pull eligible invoices directly from your accounts.



Technology requirements: To work with FundThrough, you are required to use our platform.

Limited to invoice factoring: FundThrough specializes in invoice factoring and does not offer invoice financing options.

If you think FundThrough might be the right partner for you, see if you qualify in less than 2 minutes.

altLINE Factoring

AltLINE Factoring is a reliable factoring company that offers financing solutions tailored to meet the cash flow needs of businesses. As a bank, AltLINE provides direct funding, eliminating the need for intermediaries and reducing borrowing costs. They offer easy approval, low rates, transparency, and are FDIC-insured.1


Easy approval: AltLINE offers easier approval compared to traditional loans, focusing more on the creditworthiness of your customers rather than your own credit history or collateral.

Quick cash flow: AltLINE provides quick funding to keep your business running smoothly, offering cash advances within hours of submitting an invoice.

More flexibility for your clients: Improved cash flow allows you to offer more flexible payment terms to your customers, enhancing client relationships and business opportunities.

Limited risk: Invoice factoring with AltLINE is unsecured, eliminating the risk of collateral seizure. Non-recourse factoring options are available, where AltLINE assumes responsibility if the customer fails to pay.

Accessibility and online management: AltLINE enables online management of the factoring process, providing convenience and accessibility for business owners.


Potential for reduced upfront funding: AltLINE offers advance rates ranging from 80-90% of the invoice amount, this means that you may not receive the full value of your invoices upfront. This could impact your immediate cash flow and require additional financing to cover the remaining amount.

Extra fees and charges: AltLINE may impose an initial filing or origination fee, which adds to the overall cost of their factoring service. 


JD Factors

JD Factors is a full-service factoring company that comprehends the cash flow challenges faced by businesses like yours. They offer a solution to the common dilemma of waiting for payment on open accounts receivable. Through their non-recourse factoring program, they assume the credit risk and purchase your invoices at a discount, providing you with cash upfront to meet your immediate business needs.


Immediate cash flow: JD Factors enables you to access the cash tied up in your open invoices, allowing you to address business needs and obligations promptly.

Non-recourse factoring: JD Factors assumes the credit risk, providing you with protection in case your customer doesn’t pay an invoice. This alleviates the hassle of collections and reduces your liability.

Easy and streamlined process: Submitting your invoices to JD Factors is simple, and they handle the verification and processing, saving you time and effort. Cash is deposited into your bank account within 24 hours.

Flexibility for business decisions: Factoring with JD Factors grants you the flexibility to make business decisions and take advantage of growth opportunities without waiting for slow-paying customers.

Online account management: JD Factors offers ClientNet, an online account management platform that allows you to manage your account, submit invoices, and access instant credit checks on companies across the U.S. and Canada.


Limited information available: Detailed information about JD Factors’ pricing and specific terms may not be readily accessible without further inquiry or engagement with the company.


BayView Funding

With over three decades of experience, BayView Funding has established itself as a reputable factoring company providing full-service accounts receivable factoring to businesses across a wide range of industries. Their expertise lies in delivering tailored financing solutions and passionate customer service to meet the unique cash flow needs of businesses, ensuring a constant cash flow.


Extensive industry knowledge: BayView Funding possesses extensive knowledge and experience in serving diverse industries, including staffing, transportation, manufacturing, printing, technology, and more. This expertise allows them to understand and address the specific cash flow challenges faced by businesses in different sectors.

Dedicated relationship managers: BayView Funding assigns experienced and dedicated relationship managers to handle your accounts, providing personalized attention and support throughout the factoring process.

Facilities up to $20 Million: BayView Funding has the capacity to offer facilities up to $20 million, making them suitable for businesses with varying financing needs.

Professional accounts receivable management: Once your client is invoiced, BayView Funding’s professional accounts receivable team takes charge of managing the receivables you factor, saving you time and expenses associated with accounts receivable management.


Limited information available: Detailed information about BayView Funding’s pricing and specific terms may require further inquiry or direct contact with the company.

Limited online information: While BayView Funding provides valuable information about invoice factoring, additional details about their process, qualifications, and services may need to be obtained through further exploration or direct communication.


Camel Financial

Camel Financial is a financing company that specializes in accounts receivable financing solutions. They offer unique financing options for small businesses facing various financial challenges, including limited credit history, rapid growth, and post-bankruptcy situations. With over 30 years of experience, Camel Financial aims to help businesses find financial freedom and reach their next level of growth.


Unique financing solutions: Camel Financial provides customized financing options tailored to the unique needs of small businesses. They understand the challenges faced by “un-bankable” businesses and offer flexible solutions to address cash flow needs.

Broad range of services: Camel Financial offers accounts receivable financing, A/R financing, equipment loans, and inventory loans. They provide a range of options to unlock working capital based on your specific business requirements.

Accessible working capital: Accounts receivable financing allows you to turn your unpaid invoices into immediate cash, enabling you to cover expenses, purchase inventory, and meet payroll obligations.

Easy approval process: Camel Financial considers factors like your customers’ creditworthiness rather than solely relying on your credit history or collateral, making it more accessible for businesses with limited credit or financial challenges.

Self-liquidating loans: Their revolving line-of-credit tied to accounts receivable allows for self-liquidating loans, minimizing debt exposure and interest costs.


Limited information available: Detailed information about Camel Financial’s pricing and specific terms may require further inquiry or direct contact with the company.

Get The Ultimate Cash Flow Guide and Cash Flow Statement Template

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How to Choose the Best Invoice Factoring Company

In our experience working with small and medium-sized businesses, we have found that the following points have been important to our clients when they were evaluating invoice factoring companies. These criteria will help you assess your options and make an informed decision that suits your California business:

Funding limit: Ensure that the factoring company can accommodate the funding requirements of your California-based business, whether you have large invoices or a high volume of invoices. Access to sufficient funding is vital for maintaining a healthy cash flow. (For the record, FundThrough offers unlimited funding so you can get any size invoice paid in advance.)

Advance rate: Consider the upfront percentage provided by the factoring company, as it directly impacts your immediate cash flow. A higher advance rate means quicker access to cash to meet your business’s financial obligations.

Factoring fees: Evaluate the cost structure, including the discount rate and any additional fees, to understand the total expense of factoring and determine its competitiveness in the California market. Transparent and reasonable fees contribute to a mutually beneficial partnership.

Level of commitment: Choose a factoring company that offers the flexibility you need for your business, whether it’s selecting specific invoices to get funded or a contract that requires funding all invoices from a customer. Aligning the factoring terms with your business’s unique requirements will ensure the best experience and value.

Experience: Look for a factoring provider with experience working with businesses in California and in your industry. This expertise ensures a smoother and more effective factoring process.

Approach: Consider the efficiency and technology-driven approach of the factoring company, ensuring they can deliver funds quickly and provide a streamlined process for your California-based business. Advanced technology simplifies the invoice submission and funding process.

Recourse vs. non-recourse: Evaluate the risk tolerance and cost considerations of recourse and non-recourse factoring options, keeping in mind the specific needs of your business.


What is recourse vs non-recourse funding?

When considering recourse vs. non-recourse factoring options, it’s important to assess your risk tolerance and cost considerations. Recourse factoring entails assuming the responsibility for unpaid invoices, while non-recourse factoring transfers the credit risk to the factoring company. While this offers added peace of mind for your business, it can also cost more.

While FundThrough may not be physically located in California, we proudly serve businesses located there. Our proprietary technology enables us to assist businesses across various states in the United States and Canada.

We are here to support your business’s financial success and growth. If you need further guidance in choosing the best invoice factoring company for your California-based business, you can find helpful insights and additional information by looking at our blog post about how to choose the best invoice factoring company for your business.

How Invoice Factoring Works

While we can’t speak for other companies, we can provide insights into how our invoice factoring process works. With our easy, tech-powered approach, we help businesses get paid on their terms, allowing them to focus on what matters most – their business credit and cash position.

Here are the steps for funding an invoice with FundThrough:

1. Create or connect your account in minutes: Whether you connect your QuickBooks or OpenInvoice account or create an account with your email address, getting started with FundThrough is quick and hassle-free, improving your cash position. Creating an account is free and doesn’t affect your credit.

2. Select invoices to fund: Upload your invoices or sync them automatically from QuickBooks or OpenInvoice. Our accounting software integrations streamline the process, making it even easier and faster to get funded and address your cash flow challenges.

3. Get paid: We work with your customer to redirect payment to FundThrough and verify your invoices. Once the approval is complete, you can expect payment in days directly to your linked bank account, improving your cash position and resolving cash flow issues.

4. Get back to business: Once your customer pays the invoice to FundThrough based on the net terms, there are no more commitments. You can fully focus on your business and get another invoice funded whenever you need more working capital, easily requesting another quick and easy invoice payment through our platform.

At FundThrough, we aim to provide businesses with an alternative cash flow solution to traditional bank financing, helping them overcome cash flow issues. Our seamless and efficient process ensures that you get paid on your terms, improving your business credit and optimizing your cash position.

Locations we Service with Invoice Factoring in California

FundThrough serves companies throughout North America, including the United States and Canada. From staffing companies to other sectors requiring business financing, we are here to fuel your business growth. Whether your operations are based in Los Angeles, San Diego, or any other major city in California, FundThrough is ready to provide invoice factoring services tailored to your specific needs. Explore some of the major areas in California where we serve our valued clients.

  • Los Angeles
  • San Francisco
  • San Diego
  • Newport Beach
  • Sacramento
  • San Jose
  • Oakland
  • Long Beach
  • Fresno
  • Bakersfield
  • Anaheim
  • Santa Ana
  • Riverside
  • Irvine
  • Stockton
  • And many more!


No matter where your business is located, be it California (or other states like Florida) FundThrough is dedicated to helping you unlock the capital you need to succeed.


Here are some frequently asked questions about invoice factoring:

When it comes to factoring rates, the average range is typically between 1% and 6%. However, it’s important to note that factoring rates can vary between companies, and additional fees may also apply. Here are some key points to consider:

Average factoring rates usually fall between 1% and 6%, with the main fee being the discount rate.

Factoring fees can include additional charges such as ACH fees, application fees, invoice processing fees, closing fees, monthly fees, and termination fees.

Hidden fees can add up over time, so it’s crucial to inquire about all potential fees when evaluating factoring companies.

Factors that influence invoice factoring rates include invoice terms, invoice size, customer creditworthiness, industry, and the factoring fee structure.

Factoring fee structures can include flat rates, tiered rates (variable rates based on the duration of the invoice), and prime plus margin rates (where the factor charges a percentage on top of the prime interest rate).

At FundThrough, our invoice factoring rate is 2.75% per 30 days. We prioritize transparency and provide clear communication of the total cost of invoice factoring before funding, empowering you to make informed decisions. To learn more about our rates and services, visit our pricing page.

No. One of the significant advantages of invoice factoring is that personal credit checks are typically not required. The approval process for factoring is more dependent on your customer’s creditworthiness rather than your own. 

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