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Accounts Receivable Financing - Soulasfi

Accounts Receivable Financing

Unlock Your Cash. Get Paid on Potential.

Reimagine your clients as valuable assets. When clients become collateral, your business can achieve smarter, more efficient growth

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5.0%

Rate as low as

No Minimum

Month Term

$10-$100m

Amount

2 Weeks

Time to Fund

What is Accounts Receivable Financing?

Accounts Receivable (AR) Financing, also known as asset-based loans or invoice financing, is a method where lenders use your outstanding invoices as collateral for a loan. This approach allows you to maintain liquidity while securing the additional funds you need for your business.

This type of financing is ideal for businesses needing quick access to funds. It offers an early payoff discount and requires minimal paperwork, making the process fast and efficient.

  • Approval is based on your accounts receivable, not your credit score.
  • Unlocks Tied-Up Equity. Access funds that are tied up in unpaid invoices.
  • Can be used as a line of credit where applicable.
  • Payment Terms Typically range from Net 30 to 120 days.

Is an Accounts Receivable Loan Right for Me?

Accounts receivable loans are ideal for businesses experiencing high growth, dealing with heavy payroll, managing supplier payments, and maintaining stable operations but needing to use cash flow elsewhere.

What Businesses Benefit Most from This Financing Model?

This type of loan benefits businesses that:

  • Are experiencing rapid growth
  • Have significant payroll and supplier payment obligations
  • Need to maintain stable operations while using cash flow for other purposes

What’s the Most Important Qualification for This Type of Loan?

The most crucial qualification is having creditworthy clients or customers, as this will lead to higher and better approval terms.

Why Should I Keep My Cash?

Maintaining liquidity allows for reinvestment, expansion, and purchasing new equipment. Keeping cash on hand provides the flexibility to manage a wide range of business needs without being tied down by additional monthly payments.

Keep Cash on Hand

Maintaining liquidity provides you with the flexibility to run, reinvest, and grow your business effectively.

More and Better Options

Qualifying businesses can attract a wider range of lending options with more favorable terms compared to other financing alternatives.

Turn Debt into Credit

Convert existing term or fixed debt into a line of credit to enhance liquidity and gain leverage for business growth.

Borrow Big or Small

Financing ranges from $10,000 to $10,000,000 to accommodate both short-term needs and significant business moves.

Accounts Receivable Financing not only allows you to keep cash in your operation as you grow but also opens up more favorable loan options from lenders. Additionally, it provides the flexibility to convert existing term or fixed debt into a line of credit or factoring facility, thereby improving your cash flow and overall business liquidity.

Advantages

  • Fast Approval and Funding
  • Competitive Rates as Low as 5%
  • Flexible Use of Funds for Various Business Needs

Minimum qualifications

  1. No Minimum FICO Score Required
  2. 2+ Years in Business
  3. Stable or Growing Business Income

What you’ll need to apply

  1. Business Debt Schedule
  2. 2 Years of Business Tax Returns
  3. Accounts Receivable Report
  4. Interim YTD Financials (Profit & Loss Statement & Balance Sheet)

Let’s get down to small business.

At Soulasfi, we offer smart financing fast. We believe in your small business and in our straightforward approach. No nonsense, no surprises—just expert guidance from start to finish.

Apply Now