Factoring Companies in Florida: 4 Partners to Pay Your Invoices Fast

Find the right factoring partner to unlock cash flow for your Florida business.

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Factoring Companies in Florida: 4 Options to Consider

If you’re searching for the best factoring company for your business, you’ve come to the right place. We’ve put together a list of the best factoring companies in Florida along with their pros and cons so that you can make the best, most informed decision about which financial partner is right for your business. 

FundThrough is an AI-powered invoice funding platform that gives Florida business owners flexible access to working capital on their terms. As a factoring company operating in Florida, and across North America, FundThrough provides unlimited working capital based on the size of your outstanding customer accounts – so your funding grows as you grow, making it an ideal cash flow solution. FundThrough also provides dedicated customer service.  

Funding Amounts

Our Invoice Factoring solution provides unlimited funding based on your accounts receivable.


  • Unlimited funding based on the size of your unpaid invoices
  • 100% advance rates, minus a single fee. One up front price with competitive terms
  • Receive funding for outstanding invoices within a few business days – significantly faster than bank financing
  • Leverage artificial intelligence to make fast funding decisions and simplify the factoring process
  • Highly reviewed support team, and a partner in your success
  • Flexible access to steady cash flow. Fund any outstanding invoice to any customer you want with no minimums funding every month, for an ideal solution to one-time or ongoing funding needs


  • Technology requirements
  • Only offers invoice factoring services (no invoice financing)

Gateway Commercial Finance is a Delray Beach-based factoring company that specializes in providing factoring and accounts receivable financing services to a wide variety of businesses in most fields. They offer customized funding solutions and quick access to working capital.

Funding Amounts

Gateway Commercial Finance offers factoring lines up to $10 million.


  • Serves a variety of industries
  • Confidential factoring
  • High customer rating


  • No fee transparency 

JOBE Services Inc. is headquartered in Humble, TX, and works with small to mid-size companies. It provides same-day funding through multiple payment options with its invoice factoring service. The company works with businesses of various sizes and across many different industries.

Funding Amounts

JOBE Services Inc. does not post information about funding limits, but they claim to have no upfront or hidden fees. In addition, there are no minimums for factored dollars.


  • No long-term contracts
  • Non-recourse factoring
  • Convenient online desktop and mobile access
  • Choose from multiple funding options


  • No fee transparency
  • No advance rate transparency

Founded in 1994, TCI Business Capital is one of the largest invoice factoring companies in the United States. Their services are tailored to small businesses that need quick access to cash flow. In some cases, it may be possible to get same-day funding through their invoice factoring program. In addition, TCI Business Capital highlights industry-specific knowledge, particularly in the trucking industry, oil and gas, and staffing agencies.

Funding Amounts

TCI Business Capital offers funding limits of $50k to $10 million


  • Fast approval
  • Easy onboarding process
  • Serves a wide range of industries


  • No info on fees for factored invoices
  • Advance rate of 90% for outstanding invoices

What to Look for in Factoring Companies in Florida

    When considering factoring companies in Miami and across Florida for your business, there are several key factors to evaluate to ensure you choose a reputable and suitable partner. Here are some important aspects we recommend looking at when assessing Florida factoring companies, based on our own experience and our clients’ as well:


  • Easy process. Ask any prospective factoring company in Florida what the process is like for getting set up as a new customer and getting funded after becoming a customer. You’ll want to know ahead of time if it’s time consuming or will requires extensive paperwork. If the application process is tedious, it’s not going to be the quick and easy solution that factoring is supposed to be — instead it’ll be like cumbersome traditional bank loan and lines of credit applications. At FundThrough, we use AI, automation, and integrations with QuickBooks and Enverus to make the process as easy as possible.
  • Policies. Always ask a potential Florida factoring company about their policies. This can include things such as the advance rate (percentage of invoice that is initially advanced), discount rate (percentage withheld by factoring company as their payment), and what they do if your customer doesn’t pay their invoice.
  • Pricing. There are several different ways factors (short for invoice factoring companies) do pricing. It’s important that you understand a factoring company’s pricing model so you can compare your options and make an informed decision. Also ask about hidden fees, which can quickly increase your overall cost of factoring. 
  • Funding minimums. Some factors require you to fund a minimum number or dollar value of invoices each month, and some will only fund invoices up to a certain value. At FundThrough, we don’t require you to factor a minimum of invoices each month, and we offer unlimited funding – the more you invoice, the more funding you can access. 
  • Speed and flexibility. Ask any factoring companies in Florida you’re considering working with about how fast can they fund invoices, and will they let you choose invoices to fund or do you have to fund all invoices from one customer. Also ask about whether they require minimum funding every month. With FundThrough, you can choose which invoices to fund, with no minimums.
  • Industry experience. Some factors stick with one major industry, while some don’t. It’s nice if a factoring partner has experience within your industry, such as freight factoring or international trade factoring, as it will be faster and easier to work with them.

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Get Convenient Working Capital. Get Invoices Paid in Days.

Invoice your customer. Get paid in days. Get back to business.

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Easy Access to Capital

Get funding anytime without bank hassles or limits by working with FundThrough. We offer unlimited funding, so the more you invoice, the more capital you can access. Take on growth projects, hire essential staff, and make payroll with peace of mind that you have the funding you need at your fingertips.

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Fast, Flexible Funding

Skip waiting on net payment terms and get paid quickly, with a secure source of flexible funding. No debt, dilution, hidden fees, or monthly minimums mean you’re in control of your capital, instead of waiting on slow-paying customers.

wallet with money

Simple Funding Process

Integrations with QuickBooks and OpenInvoice combined with AI and automation make it easy to get funded and get back to business. Get a funding boost in one click (after customer setup).

How Online Invoice Financing Works

Create or connect your account in minutes

Create a free account or connect your QuickBooks or OpenInvoice account, and provide information about your business.

Choose which invoices to fund

Submit eligible unpaid invoices to FundThrough. We provide unlimited funding for your business based on the size of your outstanding invoices. Simply select which eligible invoices you want to fund, and submit them in one click (after customer set up).

Advance invoices in days

Select eligible invoices to advance. Deposits are made within days and your customer sends invoice payments to FundThrough according to the agreed upon terms.

Get funded, then get back to business

Upon approval, funds are deposited into your business bank account as quickly as the next business day. Put your capital to work for growth projects, payroll, equipment, hires, and more.

invoice factoring small business app

We Serve Businesses With Invoice Factoring in These Florida Locations

We provide flexible invoice funding to businesses in and around major cities within Florida, including invoice factoring in Miami and the following cities:

  • Jacksonville
  • Tampa
  • Orlando
  • St. Petersberg
  • Hialeah
  • Port St. Lucie
  • Cape Coral
  • Tallahassee
  • Fort Lauderdale
  • Pembroke Pines
  • Hollywood
  • Gainesville
  • Miramar
  • Coral Springs
  • Palm Bay
  • West Palm Beach
  • Clearwater
  • Boca Raton

We also serve businesses across the United States and North America with our receivable financing services. If you’re looking for services elsewhere, see our pages on Texas invoice factoring, Houston invoice factoring, invoice factoring Ontario, and factoring companies in Canada.

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Factoring rates starting at


On the Intuit Quickbooks App Store:

"I am pleased to recommend FundThrough for early stage and established small business funding for the type of products and ease of doing business." ~James R.

"I've been looking for this tool for the past few years and stumbled on FundThrough during my participation at QuickBooks Connect. They have a great software." ~Xtiane

"I really like this company, they are 1st class! They have a very nice platform and are at the top of their game! They have fast approvals and will help you along the way..." ~Unified

On Google Reviews:

"FundThrough has been instrumental in helping my company meet its cash flow needs quickly, easily and for low cost." ~Mark B.

"We started using FundThrough in August of 2017. What impressed me the most has been the quick turnaround." ~Ahmed A.

"Overall I have been quite satisfied with FT. I signed up with them about eight months ago and have used the service once. I've also recommended it to other clients." ~Stephanie

Questions about invoice factoring?

Speak with your dedicated account manager on the phone or online.

+1 (800) 766-0460

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