Stop Waiting 90 Days to Get Paid: Turn Open Invoices Into Immediate Cash.
Don't let slow-paying commercial clients bottleneck your company's growth. Trifecta Business Group bridges invoice and purchase order timing gaps through Invoice Factoring and Trade Finance. We transform your unpaid invoices and confirmed purchase orders into upfront liquidity so you can pay suppliers, fulfill new orders, and scale freely.
Capital backed by customer credit High advance rates Ideal for B2B and E-Commerce
Matched against 50+ lending partners to find your best terms.
Better Business Bureauaccredited business
See which funding options you qualify for
Four quick questions. No credit pull, no documents, no phone call to get started — just a clear read on where your business stands against 50+ lending partners. You can review the comparison tools immediately, then call or schedule time with our team for questions.
How fast do you need the funds?
Speed is one of the biggest factors in which product fits — the fastest options cost more, the slower ones cost less.
Your file is shopped across our full network, not one bank.
From a small working-capital bridge to major expansion capital.
Most complete files receive decisions inside two business days.
Basic intake takes 5–10 minutes; full financing files with documents 10–20. AI Autofill speeds it up.
Three steps from application to funded
Apply in 5–10 minutes
Tell us your revenue, time in business and how much you need. Soft credit pull only. Full financing files with documents run 10–20 minutes, and AI Autofill speeds it up.
We match your file
A funding advisor shops your profile across 50+ lending partners for the best structure and rate.
Review and get funded
Compare your offers with no obligation, sign digitally, and see funds—often within 24–48 hours.
Basic intake
- Business name, address and industry
- Ownership structure and owner details
- Annual revenue and time in business
- Contact info and how much you need
Full financing file
- Recent business bank statements
- Business tax returns
- A debt schedule, if you carry existing loans
- Any documents specific to your funding type
AI Autofill
- Add short notes in any application section
- Upload your documents and let AI map the fields
- Cut your completion time down significantly
- Reduce back-and-forth with your advisor later
Your documents stay private and secure. Bank statements, tax returns and debt schedules are transmitted over 256-bit TLS encryption and shared only with the lending partners matched to your request. We never sell your information.
Monetize Your Accounts Receivable Instantly
Why take on traditional debt when you've already earned the money? Invoice factoring leverages the underlying credit strength of your commercial clients to inject immediate capital into your operations.
Invoice Factoring & PO Funding
Built for B2B and B2G companies that need cash today for work already delivered or orders already confirmed.
- Aggressive Advance Rates
- Receive 70% to 95% of your total invoice or purchase order value within 24 hours of approval.
- Predictable Fees
- Clear, competitive structures scaling from 0.8% to 3% per month.
- Supply Chain Support
- Trade finance and PO funding options built to fund manufacturing costs based directly on verified purchase orders.
Commercial Invoice Factoring & Cash Flow Estimator
Instantly calculate your immediate cash advance and estimate factoring fee distributions. Adjust your invoice volume, advance rate, and discount rate to see your upfront funding update in real time.
Deal Parameters
Enter your total invoice volume, target advance rate, and estimated factoring fee.
Industry standard is typically 80% to 90% upfront.
The processing rate charged by the factor to collect the invoice.
*Estimates assume collection within a 30-day window. Fees adjust dynamically based on client payment speeds.
On most financing, the question is how strong your business is. On this one, it's how good your customers are at paying.
A small contractor billing a hospital system, a staffing agency billing a county, a trucking outfit billing three national freight brokers — those invoices are strong even when the owner's own file is average. The invoice is the asset, so the credit being underwritten is your customer's, not yours.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
Your customers' credit, not yours
When a hospital, a county, or a national freight broker owes you, that receivable is the collateral. Approval leans on the creditworthiness of the company paying the invoice, which is why owners with an average personal file still fund here when a conventional bank has already said no.
The published bar — and how it compares
Invoice factoring's published minimums are $25,000 a month in revenue, six months in business, and a 500 credit score. Compare that to a business line of credit, which generally wants a year in business and a 600 FICO. If you've been turned down on time-in-business or credit alone, the invoice your customer owes you may be the asset that clears the path.
Outside Fort Wayne, IN · Medical staffing · 6 years in business · (names changed for privacy)
The situation. The owner had $340,000 sitting in receivables and could not cover Friday payroll. His agency places nurses and surgical techs into three regional hospital systems; his people get paid every Friday, his hospitals pay in sixty days. He had managed that gap since he opened — right up until he won a contract he had been chasing for two years. The new contract meant hiring nineteen people before a single hour of it could be billed. Payroll went up in July; the first check on that work lands in October. His bank turned him down before he could explain who his customers were — he had personally guaranteed a line for a business that closed, and his credit still carries it.
What we did.
- Read six years of operating history and invoices billed to hospital systems that pay slowly and pay every time, with nothing else financed on top of the business.
- Ruled out a line of credit — it was out on his credit score.
- Ruled out a term loan — one lump sum for a problem that returns every sixty days, plus a fixed payment on top of a payroll he had just grown by nineteen people.
- Put him on invoice financing and advanced roughly $280,000 against invoices already issued. The invoice is the asset, so the credit underwritten is the hospital's — no minimum personal credit score, no personal guarantee, advance rates up to 90% of invoice value.
The outcome. He made payroll that Friday and kept all nineteen hires. The partner who made the introduction earned $2,240 for a name and a phone number.
Invoice Factoring
- Amount placed
- ~$280,000 first advance
- Timeline
- First advance in 3 days; later advances within 24 hours
Invoice Advance & Fee Calculator
See how much cash an unpaid invoice could put in your account this week, and what the factoring fee looks like at typical advance rates. Adjust the numbers to match your receivables.
Your Invoice
Enter the invoice face value and the terms you expect. Advance rates commonly run 70% to 95%; fees 0.8% to 3% per 30 days.
The advance is what lands in your account now. The rest of the invoice is released to you, minus the fee, once your customer pays — so the fee is the real cost, not the holdback.
Estimate for planning purposes only. Actual advance rates and fees are set by the funding partner based on your customers' creditworthiness.
What this calculator works out
This invoice factoring calculator works out how much cash you receive up front from an unpaid invoice, the factoring fee at your factor rate, and the reserve released when your customer pays.
Simple Requirements Based on B2B Value
Because this funding is asset-backed, the approval process centers heavily on the strength of your customers, not your personal financial history.
Business Model
Active B2B (Business-to-Business) or B2G (Business-to-Government) frameworks.
Collateral Asset
Verifiable, open invoices or signed, confirmed purchase orders with creditworthy corporate clients.
E-Commerce Line Eligibility
1+ year operating history with connected shop processing streams (such as Shopify, Stripe, Amazon, or WooCommerce).
Questions, Answered
No, factoring is not a loan. It is the sale of your invoices at a minor discount. This means you aren't taking on new debt, and there are no monthly liabilities added to your balance sheet.
Factoring companies do communicate with your clients to verify invoices and coordinate payments, but it is handled with the highest level of professional, customer-first etiquette to protect your relationships.
Accelerate Your Accounts Receivable Capital
Put the money you've already earned back to work—advance rates up to 95%, funded within 24 hours of approval.
Your information is private and secure. Applications and documents are transmitted over 256-bit bank-grade TLS encryption, and your file is shared only with the lending partners matched to your request. We never sell your data, and the initial review uses a soft credit pull that doesn’t affect your credit score.
Prefer to talk it through? Call 1.877.977.3015