Unlock working capital without waiting for customer payments. CapFlow helps UT businesses improve cash flow and grow with confidence.
Utah is home to a growing mix of industries, including manufacturing, transportation, staffing, construction, and professional services, many of which face long payment terms and slow-paying customers. Invoice factoring offers a smart cash flow solution by turning outstanding invoices into immediate working capital, helping Utah businesses stay financially strong and ready to grow.
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 Utah businesses and delivers flexible, personalized service backed by full compliance with commercial financing regulations. We offer fast approvals with funding available in as little as 24 hours, with no hidden fees or long-term commitments unless requested. Our team manages collections professionally and respectfully, ensuring your customer relationships remain strong.
Qualifications:
CapFlow has worked with thousands of American businesses and has provided over $1 Billion in working capital.
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CapFlow understands the unique needs of Utah businesses across industries like manufacturing, logistics, and construction. With our flexible approach and responsive service, we’re able to move quickly and tailor factoring solutions that support the growth of companies throughout the Beehive State. More than just working capital, we offer a partnership you can rely on to keep your business moving forward.
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 great 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.
Utah businesses in agriculture, outdoor recreation, and tourism often see seasonal revenue swings. Factoring lets you choose when to factor invoices, so you can access cash in peak months to meet demand and skip factoring during slower periods.
Yes, invoice factoring is legal and widely used in Utah. It’s governed primarily by the Utah Uniform Commercial Code (UCC), which outlines the rules for assigning accounts receivable to a third party. When you factor with us, we file a UCC-1 financing statement with the Utah Division of Corporations to publicly record our interest in the receivables, a standard, compliant practice to protect both parties.
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 UT, 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 UT-based clients in person when possible. We understand local business challenges firsthand and value personal relationships.
