Invoice factoring
Invoice Factoring That Turns Unpaid Invoices Into Working Capital Today
Work's done. Invoice sent. So why is the money still stuck in someone else's account? Invoice factoring turns your unpaid invoices into cash today — so you can cover payroll, buy materials, and take the next job without waiting for a client to pay.
Cash you already earned
Stop letting a payment schedule set your pace.
Same day
Funding for many qualifying owners once invoices are verified.
4 mo.
Businesses with as little as four months of history can qualify.
Zero
Hidden fees or surprise terms by design.
A practical cash-flow tool
Let the work you finished fund the work ahead.
Invoice factoring is built for businesses that have delivered the work but are still waiting on a client’s payment terms. If your invoices are the bottleneck, this can turn money you are owed into cash you can put to work now.
It is one path among several. Compare small business loans when you need a broader funding option, or read about working capital loans for everyday operating gaps.
Need speed while a customer payment is still pending? Explore same day business funding, then read our invoice factoring guide for a closer look at the tradeoffs.
Questions, answered
Invoice factoring, in plain English.
Get the basics before you decide whether turning invoices into working capital is right for the next move.
What exactly is invoice factoring?
You sell your unpaid invoices to a funder at a small discount and get most of the cash up front. When your client pays, the transaction closes out. You're unlocking money your business already earned — not taking on new debt.
How fast can I get the cash?
Fast. Once your invoices are verified, many business owners get funded the same day they apply. No 30-day waiting games while your invoice sits in someone's inbox.
Can I factor invoices if my credit isn't perfect?
Yes. Approval leans on your invoices and your clients' payment history, not just your credit score. We work with diverse credit profiles — businesses with as little as 4 months of history can qualify.
What kinds of businesses use invoice factoring?
Staffing agencies, contractors and construction, trucking, medical practices, B2B service firms — basically any business that invoices other businesses and needs cash before the client pays.
How is factoring different from a working capital loan?
A working capital loan is a lump sum you repay on a set schedule. Invoice factoring is tied to specific invoices you've already issued, so the cash tracks money you're owed. Different tools, same goal: cash in your account when you need it.
Any hidden fees or surprises?
None. ROK Intelligence and our offer calculator show your terms and costs up front. Transparent by design. Zero surprises.
Don't wait 60 days to get paid.
Your invoices are already working. Unlock them — same-day funding, flexible terms, and costs you can see before you sign.