Advance up to 90% of outstanding invoices the same day they're issued. Fund tomorrow on yesterday's work — no more cash-flow chokeholds because your enterprise customer pays net-60. B2B receivables only.
B2B businesses with quality customers (creditworthy companies, not consumers) on net-30+ terms who can't wait 30–90 days to be paid.
Make payroll Friday. Get paid by client in 45 days.
Quick-pay invoices the day you deliver.
Fund the next PO without waiting on the last one.
DCAA-compliant factoring for federal AR.
Fund payroll while waiting on draws and AIA pay-apps.
Bridge the gap between shipping and customer payment.
Most operators in our credit box meet these baselines. Apply for a no-impact offer to see your real terms — qualifying is not the same as approval, and approval depends on your full file.
Minimum operating history.
Minimum verifiable revenue.
Personal guarantor minimum.
No 40-page packets. Connect your bank, get a real offer from a real human, accept and fund.
Connect your bank or upload statements. Soft pull only.
Underwriter reviews your file. Most offers in 2–4 hours.
Sign and ACH or wire hits your account same or next day.
See your offer in 4 minutes — soft pull, no impact, no commitment.
Invoice factoring are originated through our partner network of FDIC-insured banks and SBA-approved lenders. Circle handles your application, advises on structure, and serves as your single point of contact through funding and servicing. Pricing and approval terms are determined by the originating partner.