Unlock working capital without waiting for customer payments. CapFlow helps FL businesses improve cash flow and grow with confidence.
Florida’s economy is powered by diverse industries, tourism and hospitality, healthcare, construction, logistics, staffing, and professional services. Yet many of these businesses face the challenge of slow-paying customers or extended payment terms. Invoice factoring offers a practical solution by converting outstanding invoices into immediate working capital, giving Florida businesses the liquidity they need to grow, stay competitive, and thrive in a fast-moving market.
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, andavoid cash flow gaps.
CapFlow gives Florida businesses a competitive edge with fast, flexible funding designed to keep cash flow moving. By combining industry-specific expertise with a hands-on approach, we deliver tailored invoice factoring solutions that meet the unique needs of small and medium-sized companies across the state. Our process is quick, transparent, and built to help Florida businesses seize opportunities, overcome cash flow challenges, and grow with confidence.
Qualifications:
CapFlow has worked with thousands of American businesses and has provided over $1 Billion in working capital.
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While CapFlow serves clients nationwide, we have deep expertise in supporting the unique needs of Florida businesses. From navigating seasonal demand cycles in tourism and hospitality to managing growth in industries like construction, healthcare, logistics, and professional services, we tailor our factoring solutions to fit the realities of the Sunshine State. With speed, flexibility, and hands-on support at the core of what we do, CapFlow goes beyond funding—we become a trusted partner for growth in Florida’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.
Factoring turns unpaid invoices into immediate working capital, so you don’t have to wait to get paid.
Yes. Factoring provides steady cash flow regardless of seasonality, helping you manage off-peak cycles with confidence.
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.
Absolutely. Factoring ensures you have the funds you need to keep projects moving without delays.
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 FL-based clients in person when possible. We understand local business challenges firsthand and value personal relationships.
Yes. Because factoring provides fast access to funds tied up in invoices, you can address emergency expenses, repair damages, or keep vendors paid without taking on additional debt.
