If you're looking for a smarter path to better cash flow, invoice factoring can be a powerful solution for your business. Instead of waiting on customer payments, you can sell your unpaid invoices to a trusted third-party—called a factor—and receive immediate cash at a discounted rate.

This means you’ll unlock the value of your accounts receivable right away, giving you the funds you need to cover payroll, pay suppliers, or invest in growth opportunities—

on your terms. With invoice factoring, you can meet today’s financial needs without piling on new debt or waiting weeks for payment.

Even better, the factor typically takes over the task of collecting from your customers, freeing up your time and resources so you can focus on what you do best—growing your business. Whether you’re a small business or just facing uneven cash flow, invoice factoring offers a flexible path to financial stability and peace of mind.

Invoice Factoring

Funding Scenario: Invoice Factoring in Action

Business Name: Streamline Supply Co.

Owner: Alicia Martinez

Location: Dallas, Texas

Alicia owns Streamline Supply Co., a wholesale distributor of eco-friendly cleaning products that serves restaurants, hotels, and local government agencies. Her business was growing fast, but many of her large clients operated on net-60 or net-90 terms, meaning Alicia often waited two to three months to get paid—even though her bills and payroll came due every two weeks.

With $85,000 in outstanding invoices and a tight window to restock inventory for a big client order, Alicia needed fast access to capital without taking on long-term debt. She contacted SurePath Capital Funding, who helped her set up an invoice factoring agreement.

She factored $85,000 in unpaid invoices and received $72,250 upfront (85% advance rate) within 48 hours. The remaining balance, minus a small fee, was paid once the customers paid their invoices.

Why It Worked for Alicia:

• Immediate cash flow – Covered payroll, restocked inventory, and fulfilled a major client order without delay.

• No new debt – She sold her receivables rather than taking on a loan.

• No chasing payments – The factoring company handled collections professionally.

• More time to grow – Alicia used her freed-up capital and energy to secure a new corporate account, boosting future revenue.

Thanks to invoice factoring through SurePath Capital Funding, Alicia unlocked the value tied up in her receivables and found a reliable path to consistent cash flow and business momentum.