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


Micro Facotring allows your merchants to submit their outstanding invoices to CapFlow, in exchange for cash in working capital today. CapFlow’s micro factoring solution, mfactor®, serves as a natural step-up from our traditional invoice factoring program. We’re one of the few factoring companies that will fund AR balances between $50K–$250K, while most others only accept accounts receivable of $250K and above. Total cost of capital is typically 2-4% 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.

Our micro factoring program delivers fast access to capital, so your merchants don't have to keep waiting.
Funding time is typically 1-2 weeks.
Qualifications:
CapFlow has worked with thousands of American businesses and has provided over $1 Billion in working capital.
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