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    On Point Network markInvoice Financing

    Turn Your Invoices Into Working Capital

    You delivered the product or completed the work. Your customer has the invoice. OPN connects B2B businesses with financing partners that can help unlock eligible receivables sooner — so you can keep payroll, suppliers, inventory and growth moving.

    Complimentary advice Partners pay us — not you No new debt on your balance sheet
    On Point Network

    Fast Funding

    24–48 hrs

    No New Debt

    on Balance Sheet

    Flexible

    Grows With You

    Based on

    Customer Credit

    On Point Network markThe Basics

    What is Invoice Financing / Factoring?

    A working-capital solution built for B2B companies that sell on credit terms — turning invoices you've already earned into cash you can use today.

    Definition

    Invoice financing is a working-capital solution for B2B companies that sell on credit terms. Instead of waiting for your customer to pay, you may receive an advance against the receivable. When the customer pays, the remaining reserve is released to you, less any fees.

    Key Benefits

    • Faster working capital tied to completed sales
    • Manage 30 / 60 / 90-day payment terms
    • Support larger contracts and growth
    • May fit companies outside the traditional bank credit box
    • Some programs include collections support

    Who Can Benefit

    • B2B companies — domestic and international
    • Companies with slow-paying customers
    • Businesses that need cash flow without new debt
    • Growing companies with strong receivables but tight timelines
    On Point Network markHow It Works

    The OPN 5-Step Funding Cycle

    From the sale to the released reserve — here's how eligible invoices become working capital.

    01

    Sell

    Deliver the product or complete the work and issue the invoice on credit terms.

    02

    Submit

    Send the eligible invoice and supporting docs to the financing partner.

    03

    Verify

    The partner verifies the invoice and your customer's creditworthiness.

    04

    Fund

    Receive an advance of 80%–95% of the invoice value — often within 24–48 hrs.

    05

    Collect & Release

    Your customer pays; the reserve is released to you, less any fees.

    On Point Network markBy the Numbers

    An Illustrative $100K Example

    A simple look at how an advance and reserve work on a single eligible invoice.

    Eligible Invoice

    $100,000

    You've delivered and invoiced on credit terms.

    Advance (80%–90%)

    $80K–$90K

    Funded upfront — often within 24–48 hrs.

    Customer Pays

    $100K

    Your customer settles the invoice per terms.

    Reserve Released

    $10K–$20K

    Remaining reserve released to you, less fees.

    Note: Actual terms vary by partner and transaction.

    On Point Network markMore Options

    Alternative Financing Solutions

    If invoice financing isn't the exact fit, we connect you with partners across the working-capital spectrum.

    Invoice / AR Financing

    Advance cash against outstanding invoices you've already earned.

    Learn More

    PO Financing / Supplier Credit

    Fund a confirmed purchase order so you can fulfill it without tying up cash.

    Learn More

    Asset-Based Financing

    Borrow against a blend of receivables, inventory, and equipment as collateral.

    Learn More

    Trade & International Finance

    Solutions for cross-border receivables, letters of credit, and foreign invoices.

    Learn More
    On Point Network markOur Reach

    Global Reach

    OPN matches transactions with the appropriate financing partners worldwide — so geography isn't what slows your cash flow.

    United States
    Canada
    Mexico
    International
    On Point Network markCompare

    Invoice Financing vs. Traditional Bank

    Two different underwriting philosophies — and two very different timelines.

    Invoice Financing

    • Faster setup and funding
    • Customer credit is the key underwriting factor
    • Capacity grows with your receivables
    • Flexible collateral tied to receivables

    Traditional Bank

    • Longer approval and underwriting process
    • Borrower credit and financials are central
    • Fixed line-of-credit commitment
    • May require additional collateral or guarantees
    On Point Network markHonest Read

    Pros & Considerations

    We give you the full picture — the upside and the trade-offs — before you commit to anything.

    Pros

    • Faster access to working capital
    • Manage long 30/60/90-day payment terms
    • Support larger contracts and growth
    • May fit companies outside the traditional bank credit box
    • Recourse and non-recourse options available

    Considerations

    • Fees may be higher than a traditional bank facility
    • Customer notification may apply depending on structure
    • Not every invoice qualifies for funding
    • Reserves and disputes can affect the economics
    On Point Network markIndustries We Serve

    Built for B2B cash flow cycles

    If you invoice other businesses on credit terms, invoice financing can fit — across a wide range of industries.

    ManufacturingAgricultureFood & BeverageTransportationStaffingIndustrialWholesale / DistributionTechnologyBusiness Services
    On Point Network markFAQ

    Invoice Financing, Answered

    The questions business owners ask us most about factoring and receivables financing.

    Ready to Unlock Your Working Capital?

    Let's find the right financing solution for your business — with independent advice at no cost to you.

    Financing availability, advance rates, fees, eligibility, recourse/non-recourse terms, currencies, geographic coverage and other conditions vary by financing partner and transaction. OPN Network is a broker/advisor connecting businesses with independent financing providers and does not guarantee approval or funding. General informational content only; not legal, tax or accounting advice.