A new spot-factoring solution that gives businesses immediate access to working capital, one invoice at a time.
Designed for speed, flexibility, and transparency, FactorOne lets companies unlock cash flow without long-term contracts, monthly minimums, or the complexity of a full factoring facility.
FactorOne gives businesses near-instant access to working capital without waiting 30, 60, or 90 days for customers to pay. By funding a single invoice, companies can cover payroll, buy materials, or take on new projects right away. It’s a simple, fast solution for bridging short-term cash gaps without taking on debt or disrupting operations.
Unlike traditional factoring agreements, FactorOne allows you to choose when and what to fund. There are no monthly minimums or contracts locking you in. This flexibility makes it ideal for companies with seasonal demand, occasional large orders, or unpredictable payment cycles. You stay in control of your financing, using it only when it benefits your business.
FactorOne is designed for ease. Approval and funding often happen within 24–48 hours, with straightforward fees and no hidden costs. Businesses maintain strong customer relationships while gaining the financial breathing room needed to operate confidently.
Qualifications:
CapFlow has worked with thousands of American businesses and has provided over $1 Billion in working capital.
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Spot factoring with CapFlow’s FactorOne gives your business fast, flexible access to cash, one invoice at a time. Get funded in as little as 24–48 hours with no long-term contracts, no monthly minimums, and total control over your cash flow.
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
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
FactorOne is CapFlow’s spot-factoring solution that lets businesses unlock cash from one invoice at a time. There are no monthly minimums, no long-term contracts, and no commitment to factor your entire A/R ledger.
You submit an unpaid invoice. CapFlow reviews the debtor, verifies the invoice, and advances you a percentage of the invoice value, usually within 24 hours. When your customer pays, you receive the remaining balance minus the fee.
FactorOne works well for businesses that: Need occasional cash flow support. Deal with slow-paying customers. Don’t want to factor every invoice. Have an opportunity they need to fund quickly (payroll, supplies, new orders)
Companies in transportation, staffing, construction trades, manufacturing, distribution, telecommunications, fire services, cleaning, engineering, and more commonly rely on single-invoice funding.
No. Approval relies more on your customer’s creditworthiness than your own. This is why factoring is ideal for newer businesses or companies recovering from credit challenges.
For FactorOne spot factoring, CapFlow follows standard verification, which may include notifying the debtor to confirm invoice details. This ensures fast and accurate funding.
No. FactorOne is pay-as-you-go. You choose when and what to factor. Many clients use it only a few times per year—others use it more often during busy seasons.
Yes. CapFlow works closely with brokers and provides fast decisions, same-day answers, and quick commissions on all approved and funded spot-factoring deals.
