WIN-WIN CAPITAL FUNDINGBridging Capital • Building Success
Asset-based lending

Accounts Receivable Financing

Borrow against your eligible receivables with a revolving line that grows as your sales grow.

Apply nowAsset-based lending(210) 702-8811
Revolver + termStructure
CollateralFirst
3 – 6 wksTypical close
All 50States
Collateral

How accounts receivable financing works

Receivables are the most liquid asset most businesses own, and the core of nearly every asset-based line. Lenders typically advance up to 80–90% of eligible accounts, generally invoices under 90 days old owed by creditworthy commercial customers, and the line is re-measured as you invoice and collect.

Unlike factoring, you keep control of your customer relationships and collections, and you only pay interest on what you draw.

Best for

  • B2B companies with commercial or government customers
  • Fast-growing businesses outpacing their bank line
  • Companies with seasonal working capital swings
Questions

Accounts Receivable Financing FAQ

What makes a receivable eligible?

Usually invoices under 90 days from creditworthy customers, excluding affiliates, foreign accounts without insurance, and concentrations above set limits.

How is this different from factoring?

With an A/R line you borrow against invoices and keep collecting them yourself; with factoring you sell the invoices.

What is asset-based lending?

A revolving line of credit, often paired with term loans, secured by your business assets: accounts receivable, chattel paper, inventory, machinery and equipment, and real estate. Availability is set by a borrowing base that moves with those assets.

How is ABL different from a bank line?

Banks lend mainly on cash flow and covenants. Asset-based lenders lend on collateral, so they can fund companies with losses, uneven earnings, fast growth or a leveraged balance sheet.

What advance rates are typical?

Commonly up to 80–90% of eligible receivables, up to 50–65% of inventory at net orderly liquidation value, and up to 75–85% of equipment at orderly liquidation value, set facility by facility.

Related

Other collateral & uses

Collateral

Chattel Paper Financing

Borrow against the installment contracts you hold

Explore →Collateral

Inventory Financing

Capital against finished goods and raw materials

Explore →Collateral

Machinery & Equipment (M&E) Loans

Term debt against the equipment you own

Explore →Collateral

Real Estate in the Borrowing Base

Owner-occupied property added to your facility

Explore →Use case

Acquisition Financing

Buy a competitor, supplier or customer

Explore →Use case

Turnaround Financing

Capital when the bank says no

Explore →
Discuss your scenario

Rather talk it through first?

Skip the full application. Tell us what you need in a few words and an account executive will call you back with options.

  • No application, no credit pull
  • A real account executive, not a call center
  • Usually a call back within one business day
Prefer to call? (210) 702-8811
Next step

Borrow against your accounts.

Start with the online application; agings and reports can be uploaded right on the page.

Start the application

Commercial financing is arranged through Win-Win Capital Funding's network of banks, equipment lessors and asset-based lenders. Rates, terms, advance rates and amounts depend on credit, time in business, revenue, collateral and the equipment, and all financing is subject to credit approval and documentation. Tax treatment varies; consult your tax advisor. This is not a commitment to lend.