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Invoice Factoring
Turn Unpaid Invoices Into Immediate Cash

  • Typical advances
    $10K - $1M+
  • Approval in
    24-48 hours
  • Rates starting at
    5% or less
Apply Now Talk to a Specialist
Invoice factoring with Ironwood Finance

Why Invoice Factoring?

Cash Flow Without the Wait

Don’t let unpaid invoices hold your business back. With invoice factoring, Ironwood Finance advances you cash for your receivables, so you get the working capital you need today while we handle the wait.

⚡ Fast Access to Capital
Turn invoices into cash in days.
💼 No More Waiting on Clients
Get paid now, not 30–90 days later.
🔄 Flexible Funding
Factor as many or as few invoices as you want.
✅ Stress-Free Process
Simple approvals, no long-term commitments.

Why Choose Ironwood Finance? Banks delay. We deliver.

We make invoice factoring straightforward. With fast approvals, flexible options, and transparent terms, you get steady cash flow without adding debt.

  • 📄 Clear terms and simple fees
  • ⚡ Funding in as little as 24–48 hours
  • 🔑 Choose which invoices to factor
  • 📊 Strengthen cash flow without taking on new loans

We’re not a traditional bank – we keep cash flowing. With simple terms, fast approvals, and funding in as little as 24–48 hours, Ironwood Finance makes sure your business never slows down waiting on invoices.

Ready to get paid faster?

Who Uses Invoice Factoring?

They take 90 days. We take 48 hours.

Businesses of all sizes use invoice factoring to bridge gaps in cash flow and keep operations moving when clients take their time paying.

If your company relies on delayed payment terms, we can help.

📡️ Telecom Infrastructure
Keep networks expanding and crews working while we turn unpaid invoices into steady cash flow. No more waiting on long client payment cycles.
⛽ Oilfield Service Providers
Cover payroll, equipment costs, and fuel while waiting on big contracts to pay out. Factoring keeps your operations drilling ahead.
🚧 Manufacturing Companies
Free up capital tied up in bulk orders and long receivables. Use factoring to maintain production, pay suppliers, and grow without slowing down.
💼 Flexible Factoring for Other Industries
From staffing firms to professional services, factoring works wherever invoices do. Get predictable cash flow, no matter your industry.

Frequently asked questions

Invoice factoring lets you sell your unpaid invoices for immediate cash, instead of waiting 30–90 days to get paid.
In many cases, you can receive funds in as little as 24–48 hours.
No. You can choose which invoices you want to factor.
No. It’s not debt—you’re selling your receivables, so there’s no repayment.
Typically, you’ll receive the majority of the invoice value upfront, with the remainder (minus fees) after your client pays.
No. Approval is based on the creditworthiness of your clients, not yours.

Your Work, Your Money

Ready to turn your A/R into cash now?

Get paid for your invoices now and keep your business moving forward.

With Ironwood Finance, you don't have to worry about net 30. Get paid now for the work you've already done.

Start Your Application Talk to a Specialist
We provide fast, reliable funding so you can focus on running your crews — not running after checks.