Why Choose Invoice Factoring?
Fast Cash Flow
Convert invoices to cash in 24–48 hours — no waiting 30–90 days for customer payments.
No Debt Added
Factoring is not a loan — you're advancing money you're already owed. No new debt on your books.
Scales With Your Business
The more invoices you generate, the more capital you can access. Financing that grows with you.
All Credit Profiles
Your customers' creditworthiness matters more than yours. Great for businesses rebuilding credit.
How Factor Loans Work
Submit an Invoice
You complete a job or service and issue an invoice to your customer (net 30, 60, or 90 days).
We Advance You Cash
TGIfactoring advances you up to 90% of the invoice value — typically within 24 hours.
Customer Pays
When your customer pays the invoice, we remit the remaining balance minus a small factoring fee.
Factor Loan Questions Answered
What is the factoring fee?
Factoring fees typically range from 1%–5% of the invoice value, depending on invoice size, your industry, and your customer's creditworthiness. Your exact rate will be provided upfront.
Which industries can use factor loans?
Trucking, staffing, manufacturing, healthcare, construction, B2B services, government contracting, and many more. Most B2B businesses that invoice clients are eligible.
What if my customer doesn't pay?
We offer both recourse and non-recourse factoring options. With non-recourse, we absorb the risk if your customer defaults due to insolvency. Details will be outlined in your agreement.
Is there a minimum invoice amount?
Generally, invoices of $1,000 or more are eligible. There's no maximum — we work with invoice volumes from $5,000 to $5M+ per month.
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