Small Business Invoice Factoring, Small Ticket & Micro Factoring

Micro Factoring

Small invoice & spot factoring
Competitive micro factoring fees & advances
Same day funding
No cost, risk, or obligation to apply

Work with the best companies for micro factoring of small invoices. Go from application to funding in 1-2 business days or even faster by unlocking the money tied up in one or more of your organization’s unpaid customer receivables.

Get a Free Quote

1. Apply

Provide a few pieces of info to our team and we’ll source the best micro factoring companies to find a good match for your small business.

Factor Invoices

Get approved to factor invoices and get your first funding in as little as 24-48 hours — or even faster.

3. Speed Up Cash Flow

Get free same day advances on factored invoices – including micro, spot, and small ticket invoices – to expedite cash flow and grow your small business faster.

Get micro factoring services from the best factoring companies with low fees, high advances, and fast funding, even for small invoices.

What Small Invoice Factoring Is & How It Works

How Micro Factoring Works

How the Micro Factoring Process Works

When your small business factors a small invoice (generally under $20-$25,000) or earnings statement (such as a monthly retainer or statement of earnings provided by a third party like Amazon or Zulily) you can get up to 98% of the face value of the invoice on the same day or next business day.

Assuming a receivable in the amount of $10,000 with a factoring fee of 3%, and an advance rate of 97%, here’s how it works:

Day 1 –	Generate $10,000 client invoice and factor it
– Same Day	Get a same-day 97% advance of $9,700 by wire transfer or ACH
	The factoring company earns a 3% factoring fee o

Use our invoice factoring calculator to see how much money your small business could unlock by leveraging unpaid customer receivables instead of waiting on customer payments.

What is Small Ticket Factoring?

Factoring (whether factoring large invoices or small ticket invoices, referred to as micro factoring) is the business finance process of selling a receivable to a factoring company. This could be a customer invoice, monthly billed retainer, or some kind of earnings statement (e.g., ecommerce vendors, app developers, Amazon sellers, Zulily vendors, commerce vendors selling through companies like Costco or Walmart, government contractors, and so on).

The main goal of factoring is to speed up small business cash flow–invoices can be factored the same day they are generated. Instead of waiting a few weeks – or even longer – for a customer to pay, you can factor the invoice and get anywhere from 90-98% of its face value as an advance in a matter of hours.

Though speeding up cash flow or creating a more consistent flow of capital in the organization is the reason most small businesses decide to factor invoices, some of the other common benefits of factoring receivables cited by our clients include:

To unlock capital for growth initiatives
For payroll financing in the form of a payroll loan (or payroll factoring)
To negotiate better quick-pay terms with suppliers
For competitive advantages, such as extending generous customer payment terms of 30-60 days
To take on larger accounts or big orders
To offset the downsides of slow-paying customers
Improved ability to meet operating expenses
To cover costs for equipment purchases, repairs, renovation or expansion

Traditionally, US factoring companies have not been particularly small business-friendly except for small companies that generated large invoices, typically $20-$40K and up. However, now there are invoice factoring companies that cater to small businesses, making small business invoice factoring available for enterprises of all sizes with micro factoring, spot factoring, and small ticket invoice factoring.

Types of Small Business Factoring

4 Types of Small Invoice Factoring

As previously mentioned, micro factoring hasn’t always been an option for small businesses. Their invoiced amounts are often below the threshold of what a typical factoring company would be interested in funding. However, small operations now have good options when it comes to speeding up cash flow through receivables financing.

Traditional invoice factoring – Available through most US invoice factoring companies, generally the customer needs to be able to factor at least $20,000 per month in invoices, and sometimes $40,000 or more
Small ticket invoice factoring – Ability to factor smaller invoices on an occasional or on-going basis
Micro factoring – The same as small ticket factoring
Spot factoring – The ability to factor receivables on a one-time basis, also called selective invoice factoring

It’s easy to see how these options benefit small companies that often struggle with cash flow slowdowns, especially in early days. Since factoring is available from the first invoice a business generates, it’s an ideal financing tool for B2B startups and smaller operations.

Factoring Fees and Advances

Fees as low as 1-2% and advances up to 98%

We work with some of the best small business factoring companies. In addition to low fees and high advances, these companies look for reasons to say “Yes!” and quickly process invoices submitted for factoring.

We can help your small business find a receivables financing program with low factoring fees and flexible terms, such as:

Fast funding – same day funding on factored invoices
Spot factoring and micro factoring or small ticket factoring
No long term contracts or insane penalties if you stop factoring
No monthly minimums (you choose when and how much to factor)
Free credit checks on your customers
No application or due diligence fees
No schedule processing, notification or any other hidden fees

Even more importantly, these factoring companies provide a high level of customer service to you and your customers. You’ll speed up cash flow and save time and reduce the stress of managing receivables in the process. Learn how to choose a factoring company or simply apply online and we’ll source factoring proposals that are a good match to your organization.

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Invoice Factoring – Industries We Serve

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Our factoring clients’ come from many different industries where invoice factoring is commonly used to expedite cash flow, including:

Staffing and temporary employment agencies (security guard services, medical or nurse staffing agencies, etc.)
Business consulting and B2B business services
Trucking, transportation and logistics – including Amazon freight haulers and last mile delivery services
Supply chain distributors and manufacturers
3^rd party sellers like Zulily vendors and Amazon merchants
Vendors selling through Costco, Sams Club, Walmart and other mass retailers
Textile, clothing, accessories and other wholesalers
Oil and gas as well as other energy and utilities companies and contractors
Government invoice factoring for government contractors and suppliers

And others – feel free to ask! Nearly any type of company that invoices customers for payment or waits more than 15 days or more to get paid after completing delivery of goods or fulfillment of services might be able to improve cash flow immediately by factoring invoices. Take the first step and request a no-cost, no-obligation receivables financing proposal today.