[2026 Update] 10 Best Invoice Factoring Companies in the USA | FundThrough

2026 Update

10 Best Invoice Factoring Companies in the USA

Compare the top invoice factoring companies in the USA and choose the best one for your business — funding for growth, payroll, and more.

Get Started Now

Why the right factoring partner matters

Demand for accounts receivable financing in the US is projected to grow at a compound annual rate of roughly 9.5–10.5% through 2031, as more businesses look for funding that doesn't depend on a bank's appetite for risk. With more factoring companies competing for your business, choosing the right partner — not just the lowest advertised rate — makes a real difference in how well the relationship serves your business long term.

11 key features to look for in a USA invoice factoring company

1

Speed of funding

2

Flexibility to choose which invoices to fund

3

Easy, streamlined application process

4

Responsive customer service

5

Minimum funding requirements

6

International funding capability

7

Software and accounting partnerships

8

Rate and fee transparency

9

Industry specialization

10

Technology integration

11

Funding limits that scale with your business

Companies to compare

Here's a starting list of established invoice factoring companies serving businesses across the USA. We're obviously biased toward FundThrough — but we'd encourage you to compare rates, funding limits, and industry fit across each option before deciding.

Featured

FundThrough

Fast, technology-driven invoice factoring with no long-term contracts, no minimum funding requirements, and accounting integrations including QuickBooks. Serves small and mid-sized businesses across the US and Canada. See pricing or check your eligibility.

Other companies worth researching:

  • Riviera Finance
  • altLine
  • Triumph Business Capital
  • RTS Financial
  • eCapital
  • Kapitus
  • Universal Funding
  • Scale Funding
  • 1st Commercial Credit

Rates, funding limits, and industry focus vary company to company and change over time, so confirm current terms directly with each provider before committing.

How online invoice financing works

A faster, simpler alternative to a traditional bank loan.

1

Create an account

Sign up online or connect your accounting software for instant setup.

2

Select invoices

Choose which outstanding invoices you'd like to fund.

3

Get advanced

Receive payment as soon as the next business day, minus a simple flat fee.

4

Get funded

Put the capital to work — FundThrough collects from your customer on the original due date.

Get Started Now

Invoice Factoring in the USA: FAQs

Invoice factoring isn't regulated the same way traditional bank lending is, since it's structured as the sale of an asset (your invoice) rather than a loan. That said, reputable factoring companies operate under applicable state commercial finance disclosure laws and standard contract law.

Fees generally range from about 1% to 6% of the invoice value, depending on invoice volume, your customers' creditworthiness, and how quickly your customers pay. With FundThrough, you always see the full cost before you choose to fund.

Invoice factoring is a financing tool that lets you sell your outstanding invoices to a factoring company for an immediate cash advance, instead of waiting for your customer to pay according to their net terms.

With recourse factoring, you're responsible for buying back an invoice if your customer doesn't pay. With non-recourse factoring, the factoring company assumes that risk, typically for a higher fee.

Often, yes. Because factoring companies primarily evaluate your customers' creditworthiness rather than your business's credit history, factoring can be more accessible to newer businesses than a traditional bank loan.

Factoring makes the most sense when you have creditworthy B2B or government customers on 30, 60, or 90-day terms and need working capital sooner. It's less well suited to businesses that invoice individual consumers, since factoring companies typically fund business-to-business receivables.

Is invoice factoring regulated in the USA?

Invoice factoring isn't regulated the same way traditional bank lending is, since it's structured as the sale of an asset (your invoice) rather than a loan. That said, reputable factoring companies operate under applicable state commercial finance disclosure laws and standard contract law.

Ready to compare your options?

See what your invoices are worth with FundThrough — no obligation to fund.

Get Started Now