Funding & Loans
How quickly can I receive funding?
Most clients receive funding within 24–48 business hours after approval and successful document submission. In some cases, same-day funding is possible for factor loans.
What is invoice factoring and how does it work?
Invoice factoring (also called factor loans) allows you to sell your outstanding accounts receivable (invoices) to TGIfactoring at a small discount. You receive up to 90% of the invoice value immediately, and we handle collection. It's one of the fastest ways to improve business cash flow.
How much can I borrow or factor?
Funding amounts vary by product. Factor loans can range from $5,000 to $5,000,000+ depending on your invoice volume. Small business financing typically ranges from $10,000 to $500,000. There is no universal cap — we structure funding around your specific needs.
Are there any upfront fees?
No. There are never any upfront or hidden fees. All fees are disclosed clearly before you sign anything. Our free consultation is genuinely free — no strings attached.
Eligibility
Do I need good credit to qualify?
No — we work with all credit profiles. While credit history may affect terms for some products, our factor loans are primarily based on the creditworthiness of your customers (the invoice payers), not your own credit score.
What types of businesses do you work with?
We serve small to mid-size businesses across all industries: trucking, staffing, manufacturing, healthcare, construction, retail, professional services, and more. If you invoice clients or need business capital, we can likely help.
How long does my business need to be operating?
While requirements vary by product, most of our financing solutions are available to businesses that have been operating for 3 or more months. Startups are welcome — talk to an advisor for options.
Credit Repair
How does credit repair work?
Our credit repair team reviews your credit reports from all three major bureaus (Equifax, Experian, TransUnion), identifies negative items, disputes inaccuracies, and works with you to build positive credit habits. Results vary but many clients see improvement within 3–6 months.
Can you guarantee a specific credit score improvement?
No ethical credit repair company can legally guarantee specific results. However, our proven process and dedicated specialists consistently deliver meaningful improvements. We'll show you realistic expectations based on your unique situation.
Is credit repair legal?
Yes, absolutely. You have the legal right under the Fair Credit Reporting Act (FCRA) to dispute inaccurate, unfair, or unverified information on your credit report. We simply help you exercise those rights effectively.
Process & Support
What states do you serve?
We serve businesses in all 50 US states. Our team is based in Brooklyn, NY, but our services are available nationwide, primarily online and by phone.
What happens after I apply?
After you submit your application form, a dedicated TGIfactoring advisor will contact you within 24 business hours to discuss your needs, explain your options, and guide you through next steps. There's no commitment required at that stage.
Still Have Questions?
Our advisors are available Mon–Fri, 9am–6pm EST. Call, email, or fill out our contact form and we'll respond within 24 hours.