Invoice Factoring — Turn Unpaid Invoices Into Immediate Cash
Stop waiting 30, 60, or 90 days for customers to pay. Get 80–90% of your invoice value within 24 hours — no debt, no credit score requirements, no long-term commitments.
Get a Factoring Quote — It's FreeNo credit score impact • Free Fundability Consultation included
Factoring Programs
Flexible factoring options to match your volume and risk preferences.
Spot Factoring
Single invoices from $5,000+
Terms: Per-invoice basis
Rates: 1–3% per 30 days
- Factor individual invoices as needed — no commitment
- Choose which invoices to factor
- Ideal for occasional cash flow gaps
- No minimum volume requirements
- Funded in as little as 24 hours per invoice
Contract Factoring
Up to $5,000,000/month
Terms: 6–24 month agreements
Rates: From 1% per 30 days
- Lower rates through volume commitments
- Dedicated account manager handles collections
- Consistent cash flow with regular funding
- Customer credit monitoring included
- Scalable — funding grows with invoices
Recourse vs. Non-Recourse
Varies by program
Terms: Flexible
Rates: Recourse: lower / Non-recourse: higher
- Recourse: lower rates, you're responsible if customer doesn't pay
- Non-recourse: factoring company absorbs the risk
- Choose based on customer reliability
- Non-recourse ideal for new customer relationships
- Most businesses start with recourse
Why Factor Through ORP Group?
No Debt Created
Factoring sells receivables — it doesn't add debt to your balance sheet.
Customer Credit Matters, Not Yours
Approval is based on your customers' creditworthiness, not your credit score.
Funded in 24 Hours
Once set up, each invoice can be funded within 24 hours of submission.
Scales With Your Business
As your sales grow, your factoring capacity grows automatically.
Invoice Factoring FAQs
Explore more financing options: Small Business Loans · Term Loans · Lines of Credit · Revenue Based Funding · SBA Loans
Ready to Unlock Your Receivables?
It takes less than 60 seconds to apply. No fees, no obligations, and no impact to your credit score.
Apply Now — It's Free