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Invoice Factoring Services

Next Day Funding. No Start Up Fee. Get Quote Today Fill out Form on right!

No Application Fees ever!

CCC offers a comprehensive funding solution for any small business in need of more working capital. We support all types of businesses, ranging from start-ups to large corporations with competitive invoice factoring services. Our factoring services include asset based lending, purchase order finance, government contract receivable funding, export trade finance and unsecured loans for small businesses.

CCC has access to more than $3 billion in working capital to connect our funding partners, affiliates, and lenders to the operating capital they need.

Factoring Rates at 0.69% to 1.59% for 30 days. No financials needed. No monthly minimums. Flexible terms.

Taking control of your business cash flow is easy!

All you need to begin a cash flow financing program today is:

  • An application
  • A current invoice aging and customer list
  • Articles of Incorporation
  • Copies of invoices you wish to factor

Unsteady or insufficient cash flow can keep your business from providing the best service to your customers, from taking new opportunities and from meeting its full potential. Fortunately, you can transform your business cash flow by working with a factoring company in your industry.

Don’t let cash flow problems keep you down. Contact CCC to start cash flow factoring today!

Cash flow factoring gives you access to the funds you need without worrying about invoices staying open as long as 60, 90, or 120 days. Instead of waiting for payment, you can pursue new projects and prepare for future growth.

Bank loans are not your only option. Request a quote today!

Working Capital Solutions for All Businesses

  • Accounts Receivable Factoring uses your own invoices as assets that can be sold, thereby creating immediate cash for businesses who sell to customers on credit. This extra capital can help entrepreneurs meet expenses and pay vendors early to receive discounts. 
  • Asset Based Lending collateralizes accounts receivable and inventory to maximize borrowing capacity for entities.
  • Purchase Order Finance is ideal for organizations needing to finance the purchase of pre-sold goods to financially strong customers.
  • Government Contract Receivables financing enables owners to take on large government contracts by generating working capital that would otherwise be tied up in accounts receivable.
  • Export Trade Finance transforms U.S./Canadian-based companies into global competitors by offering cost effective receivable finance, credit insurance approval, and credit analysis for exporters.
  • Unsecured Loans for Small Businesses - Ideal for a short-term infusion of cash and for B2C transactions.

Invoice factoring creates instant working capital

Slow-paying customers can paralyze small companies that rely on consistent cash flow. When money is held up in unpaid invoices, other business operations such as funding payroll, hiring new employees, paying taxes, and expanding marketing effots, for example, can be stalled or cease to happen altogether. Invoice factoring is a multifaceted financing option with lots of options and flexibility to meet your specific business needs.


Do you plan to factor all your clients? Would you prefer to pick and choose which customers to factor? Do you need accounts receivable factoring on a seasonal-basis? If you’re not comfortable signing a year-long contract, don’t do it. Plenty of invoice factoring companies offer month-to-month agreements with no minimum volume requirements. If flexibility is a must-have for funding, we can help you find it.

Industry Expertise

There is no one-size-fits-all factoring company. In order to choose the right factoring company for your business – find one that has direct experience with businesses like yours. The process of factoring invoices is standard, but some industries may require slightly different programs and services. For example,freight factoring companies provide fuel cards, fuel advances and other benefits for truckers. Many staffing-focused factors offer back office support for agencies. In addition to industry-experience, the best factoring companies have been in business for awhile and will have a proven track record of success.

“Problem” Industries

Most industries that factors handle are pretty straightforward—provide the service, bill the client, send the outstanding receivables to the factor. However, there are a few tricky ones that only specialized factors are equipped to handle.

Two examples are healthcare factoring and construction factoring. These particular industries have unique billing structures and rules that make it difficult for most factors to fund their deals. However, specialized factors are more than happy to take these deals—you just have to know where to look.

Contact us – we can get your healthcare factoring and construction factoring deals funded! Our network of factoring companies fund a broad range of industries. If you have cash tied up in unpaid invoices - we can get you funded.

Accounts Receivable Financing

What is it?

Our Accounts Receivable Financing (factoring) service can help you improve your cash flow by providing an immediate advance of cash against the value of your outstanding invoices. Once you raise an invoice, we can release up to 90% of the value of that invoice to you within 24 hours. The remaining 10% is paid to you, less a small service fee, once we have received payment from your customer.

From $50,000 to $250 million we can handle your Accounts Receivables and get you the fast cash you require right away!!

This means your business has access to an ongoing supply of cash directly linked to your sales. As your business grows, so does the amount of funding we can make available to you, allowing your business to  be able constantly to meet increasing demand. You remain in control by working with a dedicated team of experts who ensure that your customers are as happy to deal with us as they are with you.

Most Fortune 500 companies have used factoring to improve cash flow and enhance growth.

Accounts receivable funding is not a loan; it's an advance against your invoices to your customers. Its principle benefit is giving your business an increase in working capital without needing to borrow money, tie up your business or personal assets, or give up equity. Working with CCC, you will see a significant reduction in debtor days and improvement in cash flow, resulting in valuable management time that can be spent driving business forward.

Factoring vs. Bank Loans

Invoice factoring or bank loans? Find out which is best for your company.

As businesses grow, they often find themselves needing additional funding for expansion, meeting payroll, marketing or other expenses. Sometimes, corporations are financially strong enough to obtain a bank loan as a means of increased credit. Other times however, less traditional means of financing are necessary.  For certain companies, traditional bank loans just don’t make sense. Banks offer little leverage to meet the additional borrowing needs and can possibly even hurt the company more than help it. Invoice factoring is a financing solution to help companies stabilize cash flow and unlock stalled potential. Also known as accounts receivable factoring, this process involves treating invoices as collateral, which are sold to factoring companies—giving your company a cash advance. As long as you have invoices to factor, your company has unlimited possibility!

Avoid Banks - Apply for Factoring Now!

Banks Refer Customers to Factoring Companies

Organizations that need additional funding but are unable to meet the stringent borrowing requirements to qualify for a new bank loan are often referred to factoring companies like CCC. In fact, CCC often gets customer referrals from local banks that want their customers to receive the financial help that they are unable to provide. Banks know CCC will serve their customers well by providing a speedy factoring application process and cash advances within 24 hours of submitting their invoices. 

Invoice Factoring is Faster Than a Bank Loan - Much Faster

Moreover, it’s no secret that banks have strict requirements in order to obtain a conventional loan.  Not only can they take a very long time, loan decisions are based on a combination of a company’s previous years’ operating history and the business owner’s credit scores. Factoring finance companies buy your eligible invoices at a discount and advance you up to 98% of the total amount within hours of verification. Therefore, factoring invoices means you get as much working capital as you need quickly. Additionally, because they are buying unpaid invoices, factoring companies are more concerned with your debtor’s credit.  When your customer pays the rest of the invoice, the factor will release the balance on the account, minus a small fee for utilizing the service. CCC works with the best factoring companies across the entire United States and Canada—matching your company with a factoring firm that specializes in your market and that will work with you to meet any specific goals or needs of your business.

Factoring Invoices is a Flexible Form of Financing

Conventional bank loans are pretty cut and dry. They loan you a certain amount of money and you’re expected to pay it back over a specific amount of time with a certain (and generally pretty high) amount of interest. In order to obtain more cash, you have to add more overall debt to your books. With factoring, you aren’t incurring any more debt--you’re selling a valuable asset. Furthermore, you get to choose which invoices you factor and how often. You aren’t locked into a long-term contract and terms are flexible.

Purchase Order Financing

What is purchase order financing?

With purchase order financing, the factoring company issues a cash advance for goods that have been ordered, but not yet delivered.  The funding obtained can be used to cover supplies and other costs associated with manufacturing, shipping, etc.

Accept Larger Orders and Grow Your Business with PO Financing

You don’t have to turn down new opportunities. If cash flow problems are crushing your ability to take on larger contracts, purchase order financing (also known as purchase order factoring) can help. Get the funds you need to fill customer orders when cash gets tight.

Don’t let those larger sales opportunities slip away.

CCC provides incremental capital and Letters of Credit to finance import, export and domestic transactions.

P.O. Financing allows clients to fulfill sales opportunities that are beyond their current capital resources by providing financing up to 100% of the cost of pre-sold inventory. This financing provides incremental capital to clients — i.e., capital that augments clients' existing lines of credit and also provide Letters of Credit to support import, export and domestic transactions.

Do you have Purchase Orders, but lack the funds to pay for the goods to fill those orders?

Is your bank unwilling to fund inventory in transit?

CCC's Purchase Order Finance Program allows you to purchase inventory from your vendors without drawing on your line of credit.

CCC's Purchase Order Financing, alternatively known as trade finance, provides Letters of Credit to foreign or domestic manufacturers for the cost of pre-sold inventory.  Most foreign and some domestic manufacturers require Letters of Credit before beginning production or shipment of finished products.  CCC facilitates these Letters of Credit through their Purchase Order Finance Program.

Prior to shipment, arrangements will be made for the inspection of finished products anywhere in the world.  This service ensures product quality and full compliance with customers' purchase orders.

Companies that benefit from CCC's Purchase Order Finance Program:

  • Importers
  • Wholesalers
  • Distributors
  • Manufacturers

Required information:

  • Current financial statements
  • Accounts receivable aging
  • Accounts payable aging
  • Copies of customer Purchase Orders
  • Copies of vendor agreement
  • Description of transaction

Prospective client evaluation criteria — while a prospective client's financial condition will be evaluated, other criteria are also considered:

  • Management Expertise:  CCC supports companies and management teams with proven expertise. Start-ups are considered but management must have a proven track record and references.
  • Product sourcing and quality:  Clients' vendors and suppliers must have a demonstrable ability to fulfill clients' purchase orders with product that meets the specifications of the clients' customers.
  • Logistical control of product:  Lender must be able to monitor the movement of finished goods from clients' vendors/suppliers to clients' customers.
  • Creditworthiness of clients' customers:  Lender will provide financing based upon bona fide purchase orders from reputable companies. These purchase orders will be verified. Lender will not finance consignment or guarantee sales transactions.
  • Verifiable repayment:  The source of payment to Lender will be evaluated. Typically, Lender is paid by a bank, commercial finance company, asset based lender or factor, or by direct payment from a client's customer.


The Benefits of Working with Company Credit Capital

We have decades of experience with purchase order and invoice factoring. We work with each business by getting to know every essential aspect, before matching it up with a reputable factoring company within our worldwide network. When you are ready to talk to financial experts who are willing to listen to you and see the potential of your business, choose CCC as your financial partner. CCC’s financing experts have extensive experience in national and international trade finance, and commercial banking.

CCC will boost your cash flow which in turn will positively impact your profitability:

  • Take advantage of discounts on bulk purchases and early payments with your suppliers
  • Stop offering early payment discounts to customers
  • Extend credit to customers on large orders
  • Pay back taxes and liens
  • Meet payroll on time
  • Grow sales and improve your bottom line

In addition to the cash that we provide, we can also free up valuable management resources. We manage your accounts receivable by going after and collecting outstanding invoice payments from your customers on your behalf so that you have more time to concentrate on generating new business. We will prepare and send out statements, telephone all your customers, collect payments for you and maintain professional and detailed accounts of your transactions.

  • Fast Funding  You will receive funds to your bank account within 24 hours of receipt of your verified receivables. For initial fundings on new facilities, we expect to have you funded within 3 to 7 business days of receiving your application and supporting documentation, depending on the size of your business.
  • Competitive Rates  Everyone refers to their rates as being competitive. We mean it. We typically save our clients at least 20% in fees over their existing receivables funder, often much more. Why? We have economies of scale you can pass onto your clients.

What Next?

If you would like to speak with one of our Accounts Receivable Funding specialists simply complete our contact form to the right.