Unlock working capital without waiting for customer payments. CapFlow helps NJ businesses improve cash flow and grow with confidence.
New Jersey is home to thriving industries like manufacturing, transportation, staffing, construction, and professional services, many of which deal with slow-paying customers or long payment cycles. Invoice factoring offers a cash flow solution by turning unpaid invoices into immediate working capital.
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 Funding Group understands the needs of New Jersey businesses and offers flexible, personalized service. We provide fast approvals with funding in as little as 24 hours, no hidden fees, and no long-term commitments unless you prefer them. Our team handles collections professionally to protect your customer relationships.
Qualifications:
CapFlow has worked with thousands of American businesses and has provided over $1 Billion in working capital.
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As a locally based funder, we’re uniquely positioned to move quickly and tailor our factoring solutions to meet the needs of NJ’s diverse industries. With our regional insight and hands-on support, we don’t just provide working capital—we become a financing partner you can rely on to grow in the Garden State.
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.
Invoice factoring is a financing solution where a business sells its unpaid invoices to a factoring company like CapFlow in exchange for immediate cash. We advance up to 90% of the invoice value, and once your customer pays, you receive the remaining balance minus a small fee.
No. Factoring is not a loan, there’s no debt added to your balance sheet. You’re simply getting early access to money you’ve already earned.
Many New Jersey businesses receive funds within days of submitting invoices. Our local presence allows us to process deals faster and provide direct support.
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.
Yes, but we handle all communication professionally and discreetly. Our goal is to maintain your client relationships while managing the collection process smoothly.
We work with a wide range of industries across NJ, 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 NJ-based clients in person when possible. We understand local business challenges firsthand and value personal relationships.
