Invoice factoring
Invoice factoring provides same-day or next-day liquidity by purchasing your outstanding accounts receivable. You receive an advance on the invoice value, usually between 70 and 90 percent, and the remainder (minus the factoring fee) once your customer pays. This structure works particularly well for service contractors, distributors, and staffing agencies operating along the Mount Vernon Memorial Highway corridor, where project-based billing and net-60 payment terms create predictable cash-flow gaps that factoring can bridge without adding debt to your balance sheet.
Invoice factoring
Factoring approval hinges on your customers' creditworthiness, not your own balance sheet or time in business. Fort Hunt businesses serving federal contractors at Fort Belvoir or residential clients in the Stratford Landing and Waynewood neighborhoods often carry strong receivables but lack the two years of audited financials many banks require. Because Mapleharbor Credit works as a commercial loan broker in Fort Hunt, we connect you with factoring partners who underwrite the invoice, not your profit-and-loss statement, so startups and turnaround situations qualify when conventional lenders decline.
Invoice factoring
We begin by reviewing your accounts-receivable aging report and customer concentration. A landscaping company billing Fairfax County Schools and private HOAs near Riverside Estates, for example, will show us invoice due dates, customer payment history, and any disputed line items. We then match your file to factoring sources that specialize in your industry, negotiate advance rates and reserve schedules, and coordinate the notice-of-assignment paperwork so your customers remit payments to the factor's lockbox. Throughout the process, our team at 2011 Crystal Dr, Arlington, VA 22202, Alexandria, VA remains your single point of contact; call (703) 831-2673 to discuss your receivables portfolio.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.