Unlock working capital without waiting for customer payments. CapFlow helps CA businesses improve cash flow and grow with confidence.
California is home to a wide range of industries, from tech and manufacturing to transportation, staffing, construction, and professional services. Many of which experience slow-paying customers or extended payment terms. Invoice factoring provides a flexible cash flow solution by turning unpaid invoices into immediate working capital, helping California businesses stay competitive and financially agile.
Invoice factoring is a financing solution where your business sells its accounts receivable (invoices) to a third party, like CapFlow, for immediate cash. Instead of waiting 30, 60, or 90+ days for customers to pay, you can access funds within 24–48 hours to: cover payroll and overhead, Invest in growth opportunities, take on larger contracts, and avoid cash flow gaps.
CapFlow offers a competitive edge in California by combining fast, flexible funding with full compliance under the state’s commercial financing disclosure laws. Our understanding of California’s regulatory landscape, paired with industry-specific expertise, allows us to deliver tailored invoice factoring solutions that meet the needs of businesses across the state, quickly, transparently, and responsibly.
Qualifications:
CapFlow has worked with thousands of American businesses and has provided over $1 Billion in working capital.
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While we serve clients nationwide, CapFlow is well-versed in the unique needs of California businesses. From navigating industry cycles to regional market demands, we tailor our factoring solutions to meet the needs of companies across the Golden State. With a focus on speed, flexibility, and hands-on support, we go beyond funding—we become a trusted partner for growth in California’s dynamic economy.
For a growing business, accounts receivables collection of unpaid invoices can be one of the most challenging areas of operation. With factoring, as invoices are created they can be financed up to 90% of their issued value same-day by CapFlow.
Fill large orders in a short time frame
Take advantage of vendor discounts and opportunistic purchases
Manage seasonal fluctuations
Meet weekly payroll requirements
Purchase inventory
Supplement or reduce bank or equity financing
Turn over your product cycle more frequently
Satisfy outstanding debts or back taxes
Reorganize
With regional expertise and nationwide support, our team understands the needs of businesses in every corner of the country. No matter where you operate, we offer fast, reliable funding tailored to your location and industry. Apply via the contact form below and a CapFlow representative will work with you one-on-one to find the best working capital solution for your specific business needs.
In California, you can explore lines of credit, invoice factoring, and revenue-based financing. If you have unpaid invoices from creditworthy customers, invoice factoring can give you immediate working capital without taking on debt or giving up equity.
Factoring funds are flexible; once we advance you the cash, you can use it however you see fit. Many California clients use factoring proceeds to cover supplier bills, launching new products, or taking on larger contracts without cash flow stress.
Waiting 30, 60, or even 90 days for customers to pay is common in industries like manufacturing, transportation, and staffing. With invoice factoring, you don’t have to wait; we advance most of the invoice value upfront and handle the collections, so you have steady cash flow to cover payroll, inventory, or new projects.
Not necessarily. Approval is based more on the creditworthiness of your customers than your personal or business credit, making it ideal for companies in growth or recovery mode.
Many California businesses see big revenue swings during the year. With invoice factoring, you only factor the invoices you choose when you need the cash. That way, you can access funds during your busy season to ramp up production and avoid unnecessary financing during slower months.
We work with a wide range of industries across CA, including staffing, transportation, construction, manufacturing, and professional services. If your business invoices other businesses and waits to get paid, we can help.
Yes! As a firm with strong regional roots, we’re happy to meet with CA-based clients in person when possible. We understand local business challenges firsthand and value personal relationships.
