Unlock working capital without waiting for customer payments. CapFlow helps VA businesses improve cash flow and grow with confidence.
Virginia’s economy is driven by key industries such as government contracting, technology, manufacturing, transportation, construction, healthcare, and professional services. Many of these businesses face challenges with slow-paying clients and extended payment terms, especially in sectors tied to federal and state contracts. Invoice factoring offers a practical solution by converting outstanding invoices into immediate working capital, providing Virginia businesses with the necessary cash flow to cover expenses, pursue new opportunities, and remain competitive in a dynamic 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 Virginia businesses a competitive edge with fast, flexible funding that keeps cash flow moving. With deep industry knowledge and a hands-on approach, we deliver tailored invoice factoring solutions that address the unique needs of small and medium-sized companies across the Commonwealth. Our process is quick, transparent, and designed to help Virginia businesses seize new 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 Virginia businesses. From helping government contractors manage long payment cycles to fueling growth in industries like technology, manufacturing, transportation, healthcare, construction, and professional services, we tailor our factoring solutions to fit the realities of the Commonwealth. 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 Virginia’s diverse 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.
Many Virginia businesses, especially those in government contracting, construction, and manufacturing, face extended payment terms. Invoice factoring provides immediate cash by advancing you most of your outstanding invoices. This helps cover payroll, buy materials, and keep operations moving without waiting on slow-paying clients.
Yes. Factoring approval focuses more on the creditworthiness of your customers than your time in business. If you have invoices from reliable clients, even newer Virginia companies can access working capital quickly, without taking on debt or giving up equity.
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.
Invoice factoring is fully legal in Virginia and governed by the Uniform Commercial Code (UCC), which covers the assignment of receivables. We file a UCC-1 financing statement to secure the receivables, protecting your business.
Absolutely. Factoring isn’t a loan — it converts your invoices into cash. This means no monthly loan payments or interest, and no need to dilute ownership. Virginia businesses can use these funds to hire staff, invest in new projects, or take on larger contracts, all while keeping cash flow predictable.
Yes! As a firm with strong regional roots, we’re happy to meet with VA-based clients in person when possible. We understand local business challenges firsthand and value personal relationships.
Invoice factoring helps businesses with slow-paying clients across key Virginia sectors:
Government contracting & professional services – get paid while waiting on federal or state invoices.
Construction & contracting – cover materials and labor despite retainage or delayed payments.
Manufacturing & distribution – keep production moving even with extended customer terms.
Transportation & logistics – manage fuel, maintenance, and payroll while clients pay later.
Healthcare & staffing – maintain cash flow while waiting on reimbursements.
