When you have a growth opportunity, you don’t have time to wait for customers to pay their invoices. Accounts receivable financing, or factoring, can accelerate your cash flow cycle. By selling your outstanding invoices or receivables to TFS, you can generate cash almost immediately instead of waiting the usual 30, 60 or 90 days.

Factoring is a valuable financing solution for start-ups, seasonal businesses and fast-growing companies which are undercapitalized but have creditworthy customers, or have sales concentration issues. Funding decisions are based on the creditworthiness of your customers so we can usually provide financing regardless of your current financial position.

How it works:

The CLIENT sends the invoice to TFS and the CUSTOMER.

TFS advances immediate funds to the CLIENT.

When due, the CUSTOMER pays the invoice to TFS.

TFS pays the balance of the invoice to the CLIENT, minus any fees.


  • Simple approval and funding process
  • Line can grow with increasing revenues
  • Provide payment terms to customers with confidence
  • Smoother cash flow to aid in financial planning or managing growth
  • Take advantage of volume and early payment discounts from vendors
  • Eliminate bad debt risk and overhead costs associated with the collection process
  • No financial covenants