Invoice Factoring · Since 1998
Turn unpaid invoices into same-day cash — without taking on debt
Universal Funding advances up to 95% of your outstanding invoice value so you can cover payroll, buy inventory, and take on bigger projects — while your customers pay on their own schedule.
Fast Cash
Funding within 24 hours of receiving approval
Competitive Rates
Universal Funding rates start as low as 0.55%
Fast and Easy Approval Process
Our one-page application
is simple and quick
Funding That Grows With You
Invoice volume from $25,000 to $20,000,000
Get Back to Business
We manage the invoicing and collections process for you
What is Invoice factoring?
You delivered the work. You shouldn’t have to wait to get paid.
Invoice factoring is a simple financing tool: you sell your unpaid invoices to Universal Funding, we advance most of the cash immediately, and when your customer pays, we sent you the rest minus a small factoring fee. No loans. No new debt. No long approval process.
Trusted by thousands of B2B Companies
Best Factoring Company of 2026
+$2 Billion Funded for Company Growth
3500+ Satisfied Clients
A+ Rating Better Business Bureau
Real Businesses. Real Results.
Our company has tripled in growth since we became partners with Universal Funding and we anticipate doing business with Universal for many years to come.
-Chris, All Pro Security
Why invoice factoring works
Compare to Line Of Credit
Traditional Bank Line of Credit
$20,000-$500,000
Universal Funding Corporation
Invoice Factoring
Monthly Volume
$25K- $20M/mo
Compare to Merchant Cash Advance
MCA Providers
$1,000-$500,000
Can a Wholesale Distributor Use Invoice Factoring? A Texas Success Story
For wholesale distributors, the biggest threat to growth is rarely a lack of customers — it is waiting too long to get paid. Universal Funding solved that problem for a Texas school bus parts supplier by structuring a $200,000/month invoice factoring program that turned accounts receivable into same-day working capital. Read how invoice factoring is helping B2B distributors break the cycle of slow payments and accelerating growth.Can Invoice Factoring Fix Your Cash Flow Problem? Yes — Here’s How
B2B companies are winning contracts, delivering results, and still struggling to keep the lights on — because outstanding invoices don’t pay today’s bills. Invoice factoring is changing that equation, giving businesses a debt-free way to unlock capital they’ve already earned. Universal Funding helps B2B companies convert receivables into cash in as little as 24–48 hours, so growth doesn’t have to wait on a payment cycle.The Hidden Risks of Debt Funding—and Smarter Alternatives for Growing Businesses
Debt funding is often seen as a go-to solution for business growth, but fixed repayments and cash flow misalignment can create serious financial strain. Many B2B companies are now exploring alternatives that provide capital without adding liabilities. Accounts receivable factoring offers a flexible, non-debt solution by turning unpaid invoices into immediate cash.
Turn unpaid invoices into Fast cash
Don’t wait 30, 60 or 90 days for customers to pay. Get an advance on your outstanding
invoices with invoice factoring. Turn waiting into working capital today!
Last Updated on 06/26/2026