Invoice Factoring · Trusted Since 1998

Get Paid Today. Not in 90 Days.

Universal Funding advances cash on your outstanding invoices — so payroll gets met, bills get paid, and you stop waiting on slow clients.

  • Rates Starting at 0.55%
  • Same-Day Direct Deposits
  • Funding within 24 Hours
  • Dedicated Account Rep

Talk to a funding specialist now.

800-405-6035

Get My Factoring Rate Now

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Businesses that stopped waiting

Best Factoring
Company of 2026

$2 Billion+ Funded
Since 1998

3,000+
Satisfied Clients

A+ Rating Better
Business Bureau

Cash flow gaps cost you more than money

Watch this video to learn how we can finance your company’s growth without the wait.

Every day you wait on an invoice is a day your business stands still.

  • Missing payroll while waiting on a client who pays Net-60
  • Turning down new projects because you can’t float the costs
  • Paying late fees because client payments arrive on their schedule, not yours

Invoice factoring breaks that cycle. You get paid now. Your client pays later — same terms, no disruption. Nothing changes for them. Everything changes for you.

get my rate

Specialized funding solutions for your industry

  • Manufacturing
  • Printing
  • Oil Field
  • Staffing
  • Apparel
  • Security
  • Wholesale / Distribution
  • Business Services
  • More
  • Transportation
  • Technology

Why invoice factoring is your best choice

Bank Line of Credit

Invoice Monthly Volume:

$20,000-$500,000

  • Advance Rate: 85-90%
  • First 30 Days: 2-4%
  • Requires access to accounting software and bank account for approval

Universal Funding Corporation

Invoice Monthly Volume:

$25K- $20M/mo

  • Advance Rate: up to 95%
  • First 30 Days: 0.55-2%
  • Does not require access to your private banking and accounting information
see if i qualify

Merchant Cash
Advance Provider

Invoice Monthly Volume:

$1,000-$500,000

  • Advance Rate: Based on loan amount
  • Fixed loan fee rate: 35-50%
  • Requires access to bank account for daily withdrawals

Turn unpaid invoices into cash today

Don’t wait 30, 60 or 90 days for customers to pay.
Get an advance on your outstanding invoices with invoice factoring.

get my rate 800-405-6035

Last Updated on 07/15/2026