Invoice factoring / accounts receivable financing
Need a stable credit provider who can handle all your frequent short-term credit needs? Try us now. See how we get you the money fast. Get Started
Better cash flow with invoice/AR factoring
Flexible terms
Financing terms are counted by days, as flexible as your credit needs.
Competitive rates
Daily invoice financing rates are lower than our competitors. No set-up fee for repeated customers.
High credit limits
We want to be your one-stop credit provider for all your needs.
Transparency
Our set-up fee and daily factor rate are specified clearly.
How American Credit factoring works
We know you want to stay focused on your business instead of burdensome applications or constantly looking for better rates. So we provide industry's best invoice financing rate. We are your one-stop credit provider for all your short-term credit needs.
Here’s how it works
Apply in minutes
Apply in 10 minutes with basic details about your company and your customer business.
Get approved
American Credit will review your application and make a decision on the same or the next day.
Submit an invoice
Upload your invoice. Established clients can upload invoices again when needed.
Get your payment
You get the rest of the receivable minus the fee after your customers pays the invoice.
See our process
Apply and approved
$10,000 invoice
$8,500 advanced to you
Paid to net 30 by your customer
$9,800 total paid to you
Minimum qualifications
- FICO 600+
- B2B business with 1+ years tax return
- $150,000+ annual revenue
What you need to apply
- Your business basic information
- Recent 6 months bank statements
- Details about the invoice and your customer
Invoice/Accounts-Receivable Factoring vs. Financing
What is the Difference between Invoice/AR Factoring and Financing?
The primary difference between factoring and bank financing with accounts receivables involves the ownership of the invoices.
Read the full article about Receivable Financing vs Factoring
Invoice Factoring Explained
What is invoice factoring? What is the purpose of invoice factoring? How does it work? We answer all these questions and more in this detailed article on invoice factoring.
Read the full article Invoice Factoring Explained
A growing family business keeps you running 24/7. I can't spend days applying and months waiting for a loan. We need a credit provider who can not only provide quick business invoice financing but other cash flow loans for business as well.
Alessandra Ale
CFO, Silicon Valley Staffing Services
American Credit: the difference you can trust
You work hard. We work hard. We share the same ethic. That’s why we go the extra mile to look at your situation and see if we can help. Unlike some business credit lenders who focus on FICO scores, we look at your business as a whole.
