ACCOUNT RECEIVABLE FINANCING

For Small Businesses

Funding in 2 to 5 days

Finance $10,000 to $5 million

Terms from 6 months to 10 years

Get Started

Complete the application below with some basic information to see which financing options you qualify for and to be paired with a Business Financing Advisor!

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WHAT IS AR FINANCING?

Accounts receivable financing is when a company will sell or finance off their outstanding invoices for working capital. It can either be in the form of selling the asset to the lender or using the accounts receivable (invoices) as collateral for the loan.

secure an instant pre-approval

SIMPLE APPLICATION

Our simple 15-second online application can get you matched with offers in minutes.

NO MINIMUM FICO

Bad credit? No problem! Most of our top financing options have no minimum FICO.

LARGER AMOUNTS

Get matched with the best financing options with the highest funding amounts.

EXPRESS FUNDING

Our Fintech Speed can reduce your loan process to as little as 2 days!

WHAT DO YOU NEED TO QUALIFY?

Minimum Outstanding Accounts Receivable

In order to qualify for AR financing, a minimum of $100,000 outstanding B2B Accounts Receivable aged up to 90 days outstanding is required.

$500,000+ Annual Gross Sales

The minimum revenue to qualify for AR Financing is $500,000+ in annual gross sales.

No Minimum FICO

We have financing options for all credit profiles. There is no minimum FICO score required to apply.

WHY WINCHESTER FUNDING SOLUTIONS?

Fast & Hassle-Free Loan Process

We simplify the loan application process, ensuring quick approvals and minimal paperwork, so you can focus on growing your business without delays.

Customized Loan Solutions

Every business is unique, and so are its financial needs. We tailor loan options to fit your specific goals, whether it's expansion, equipment purchase, or working capital.

Competitive Rates & Flexible Terms

We work with a wide range of lenders to secure the best interest rates and repayment terms, ensuring you get the most cost-effective financing solution.

Expert Guidance & Support

Our team of experienced loan brokers is here to guide you every step of the way, answering your questions and helping you make the best financial decision for your business.

Winchester Funding Solutions - our winning combination of quick delivery and excellent customer care. Getting started is easy.

STEP 1. Apply Online

Secure an instant pre-approval. Our application process is straightforward and can be completed in seconds.

STEP 2. Review Options

Your personal loan advisor will discuss finance options available with you for your business.

STEP 3. Receive Your Funds

Finish the online application process and receive your funds in as little as 24 hours.

Resources & Frequently Asked Questions

WHAT DOES AR STAND FOR?

AR financing stands for Account Receivable Financing. It is a type of financing where a company will receive a loan based on a portion of their account receivables. Accounts receivable are assets equal to outstanding invoices billed to customers but have not yet been paid.

HOW DOES AR FINANCING WORK?

Accounts receivable financing uses your outstanding invoices as a form of collateral to help you obtain financing or an advance for your business. But unlike factoring, you do not sell your invoices to a third party. You will continue to remain responsible for collecting on your outstanding invoices while making payments towards your loan.

WHAT ARE AVERAGE AR LOAN RATES?

Accounts receivable (AR) financing rates can vary depending on a number of factors, including the factoring company, the size of the invoice, the creditworthiness of the customer, and the payment terms.