Sell your outstanding receivables to boost your cash flow in hours



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Looking for a Factoring Company?

Our customer retention rate is 1.9 times the industry average. We offer 30-minute application approval, low rates, high advances and 24-hour funding.

Benefits that only Gateway offers you

New to Invoice Factoring?

Don't wait 30, 60 or 90 days for your customers to make payments anymore. Learn how to turn your debtors into assets. Sell your outstanding accounts receivables to us and get fast cash flow funding.

How Factoring Works

Do You Qualify?

Invoice factoring is one of the most accessible forms of business financing. It takes just a few minutes to know if you business qualifies.

Learn the most common factoring requirements

Invoice Factoring 101

  • What invoice factoring is
  • How much factoring costs
  • How much cash upfront your business gets
  • Cost of factoring: factoring fee and factoring rate
  • What factoring rates are reasonable
  • What a factoring advance rate is
  • Typical factoring contract terms
  • Pros and cons of recourse and non-recourse factoring
  • How fast your business can get approved
  • How fast your company can get funded
  • How many invoces you need to sell

Learn all you need to know about invoice factoring

The Truth About Invoice Factoring Offers What Deals are Realistic for Your Business?

Why choose Gateway Commercial Finance?

Improve your business cash flow fast! We are known as one of the best factoring companies due to our low monthly minimums, competitive rates and ability to help our client companies grow. We provide funding to cover payroll, expenses and other supplier demands to large and small businesses in all industries.
We are the fast funding option when the banks refuse to give you a loan. Our application process is simple, and we offer same day account approval. Our rates are the most competitive in the industry and we are ready to work for you to put cash in your company's bank account quickly!

Pick the best factoring company for your business
Learn to evaluate factoring offers

Invoice factoring companies offer working capital solutions at those times when your company cannot access a bank loan or line of credit. These commercial finance companies are known to supply the funds banks can’t due to their focus on the creditworthiness of your customers and not on your company’s credit history.

We understand just how complicated evaluating and comparing proposals from different factoring companies can be. We have put together this guide to help you evaluate the difference between service providers and pick the best one to fit your working capital needs.

Learn to Compare Factoring Companies

factor financing comparison

What is the difference between Factoring, Invoice Financing & Account Receivables Finance?

Accounts receivable factoring is a transaction in which a third party (factor) purchases a business's invoices at a discount. The factoring company, as a result, now owns the accounts receivables.

Invoice finance, also known as accounts receivable financing, is a loan in which a business pays a predetermined percent of their invoices to a lender as a fee for the lending service. In this case, the invoices serve as collateral as the business pays off lending fees when invoices are paid. Account receivable financing is very similar to bank loans but with much higher lender rates.

While both solutions are meant to solve short term cash flow problems, invoice financing generally carries much higher costs and risks than receivables factoring.