WIN-WIN CAPITAL FUNDINGBridging Capital • Building Success
Equipment product · Nationwide

Equipment & Invoice Factoring

Sell your outstanding invoices for immediate cash to buy equipment or cover the gap until customers pay.

Apply nowAll equipment programs(210) 702-8811
$15K – $10MM+Amounts
Up to $1MMApplication only
12 – 84 mo.Terms
All 50States
Product

How equipment & invoice factoring works

If your customers pay on 30, 60 or 90-day terms, the cash you need for a new truck or machine may already be sitting in your receivables. Factoring advances most of each invoice's value now and the balance, less a fee, when your customer pays.

Approval depends mostly on your customers' credit, not yours, which makes factoring a strong option for young or fast-growing companies.

Best for

  • Trucking, staffing, manufacturing and wholesale companies
  • Businesses with slow-paying commercial or government customers
  • Young companies with strong customers

Program terms

Every product and structure is available through the same equipment program: $15,000 to $10 million and more, application-only approvals up to $1 million, 12 to 84-month terms, A through C- credit and no industry restrictions.

Questions

Equipment & Invoice Factoring FAQ

Answers to common questions.

Will my customers know?

With notification factoring they pay the factor directly. Non-notification programs are available for some businesses.

How fast is funding?

Often within 24–48 hours of approval.

How much equipment can I finance?

From $15,000 to $10 million and more. Approvals up to $1 million can often be made on a one-page application, with no tax returns or financial statements.

What credit do I need?

Programs span A through C- credit. Strong credit gets the lowest rates and 100% financing; challenged credit can still be approved with a down payment or additional collateral.

Do you finance startups?

Yes. Businesses with one year or more in operation have the most options, and startup programs are available with a strong owner profile or down payment.

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By state

Equipment & Invoice Factoring by state

Available in all 50 states and D.C.

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

Ready to apply for equipment & invoice factoring?

Tell us about the equipment and we'll bring back the right structure.

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.