Invoice factoring 2026 — get paid in 24 hours instead of 30/60/90 days.
Rankings based on speed of funding, approval rates, transparency of terms, customer experience, and total cost. Updated annually.
Up to $5M against unpaid B2B invoices. 80-90% advance, recourse and non-recourse.
Requirements: B2B with creditworthy customers
Fuel advances 40-50%, same-day funding on loads, BOC-3 support.
Requirements: Trucking authority required
Sell one invoice at a time, no contract, pay-as-you-go.
Requirements: Same as standard factoring
Factor absorbs credit risk if customer doesn't pay (credit reasons).
Requirements: Stronger customer credit needed
Specialized for AIA pay applications, retainage, progress billing.
Requirements: Construction-specific
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