On-demand cash flow for your clients, helping businesses unlock the value of a single unpaid invoice, to cover expenses, and keep growth moving without waiting 30, 60, or 90 days for payment.


FactorOne is a flexible, low-cost spot factoring solution that gives your merchants fast access to working capital by funding individual invoices whenever they need it. There are no long-term contracts, no hidden fees, monthly minimums, or commitments, merchants choose exactly when and what to fund, keeping full control of their cash flow.Total cost of capital is typically 2% per month.
Many industries face a long collection cycle with their customers. With factoring, we pay your merchants for the value of an invoice upfront for a small fee. Typically brokers can expect 10% of earnings as commission, with relationships usually lasting 3+ years. Customers who use spot factoring, tend to have a quarterly or annual invoice that needs recurring financing, leading to more commission earnings for referral partners.

Our spot factoring program is designed for ease. CapFlow delivers fast access to capital, so your merchants don't have to keep waiting.
Funding time is typically within 24-48 hours.
Qualifications:
CapFlow has worked with thousands of American businesses and has provided over $1 Billion in working capital.
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