Factors provide funding to cover payroll, expenses and supplier demands, all without the challenges associated with traditional financing.

We offer same day application approval, low rates, high advances and 24-hour funding to large and small businesses in all industries.

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Looking for a Factor?

Our customer retention rate is 1.9 times the industry average. Here are the advantages that only Gateway offers your company.

Experience the Gateway Difference

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.

What Factoring Is and How It Works

Do You Qualify?

Take this short quiz to instantly know if your company would qualify to access invoice factoring services.

Take Our Financing Quiz

How a Factor Works
Frequently Asked Questions From Invoicing to Collections

You have questions about what accounts receivable factoring is and we have answers. If you haven't heard of the term, then you are probably wondering how it works, its advantages and what it costs. There are not fast and easy answers, which is why we have developed this FAQ section to give you a hand in understanding how a factor can cover your working capital financing needs. We begin with the very basics of the process and then move into areas such as developing customized plans and the seamless integration of our program into your process. We want you to completely understand how we can supply the cash flow you need to run your business successfully. We invite you to take the time to learn about our service and then give us a call when you are ready to increase working capital and move your business to the next level. We have the cash flow services you need to meet your financial goals.

How An Invoice Factor Works

Compare Factoring Companies
What factoring offers are realistic for your company?

Wading through the specifics of a factoring offer can often feel like you are walking in wet cement. We understand just how complicated evaluating and comparing proposals from a factor can be, when you're simply looking for quick cash to fuel your business. Like any other financial transaction, it is important to learn as much as you can about what a factor does and understand every nuance of the offers that you will receive in order to avoid any hidden charge or expenses. Learn how to choose the best factoring company. We have put together this guide to help you evaluate the difference between service providers and understand the information that you are reading. We highly recommend that you spend some time with our guide and other resources we provide on this site. Then give our company a call to see exactly how we can help turn your outstanding accounts receivable invoices into the cash and capital you need.

Learn to Evaluate Offers from Factoring Companies

Fuel your business with our Business Financial Fitness Program

  • How are Rates Structured?
  • The Discount Rate for your Business
  • How is the Advance Rate Defined?
  • The Application & Funding Process

How are Factoring Rates Structured?

Did you know that there are several options factors use to structure their rates? We feel that one of our most important jobs is making sure that you understand what we do perfectly, and that includes having a comprehensive grasp on how much our service will cost. We know that, as a business owner, you need to feel comfortable with a fee schedule before you will utilize a service. That is why we have created this comprehensive guide to explaining our rates. We also offer interactive worksheets you can use to put in your own numbers and estimate how much you would pay.

How are Rates Structured?

working capital

Your Factoring Discount Rate
Aspects that influence your company and clients’ risk to a factor

As a company manager you are well aware of the risks and expenses involved with doing business. We take those risks very seriously and utilize different metrics to determine the rate and contract terms for your business. How reliable are your clients when it comes to paying their bills? How long does it take your average customer to pay their invoices? We have put together this comprehensive explanation as to how a factor determines your factoring rate and what kinds of considerations go into this extremely important decision. We provide you with a series of interactive worksheets that allow you to put in your real numbers and see what kinds of results that you get.

Your Factoring Discount Rate

factoring advances

What Advance Rate Can Your Business Get?

The advance rate is the percentage of each invoice's face value that the factor will deposit into your bank account right after approving the purchase of your invoices. The balance of your invoiced amount, minus the factoring fees, will be deposited into your account when your company collects the payment. The cash advances that factoring companies offer is not a number that is randomly generated. There are a series of considerations to be made that will affect the advance money your company will get. It is extremely important that you understand what an advance rate is and how it is usually calculated. That is why we've provided this guide that explains the entire process and allows you to understand the elements that go into defining your company’s advance rate. Use this guide and then contact our experts discuss your cash flow and credit situation.

Factoring Advance Information

invoice factoring video

How Long the Application,
Approval & Funding Process Really Takes?

Applying to a commercial factoring company is a straightforward and simple process. This process always begins with a comprehensive discussion of your business capital needs with one of our decision makers. We want to learn as much as we can in order to provide you with the best service possible. The application can be completed in minutes and approval can typically come the same day. As our priority is to be clear and upfront with our customers, we've provided this article in order to explain the entire application process and let you know what to expect at each step.

Funding Process

factor financing comparison

How Does Traditional Factoring Compare with Invoice Financing?

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 financing, 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 loan. In this case, the invoices serve as collateral as the business pays off lending fees when invoices are paid. While these are inherently different solutions, it is common for both to require monthly minimums. We are known as one of the best factoring companies due to our low monthly minimums and ability to help our client companies grow.

Compare Recourse and Nonrecourse Factoring

About Invoice Factoring Companies

Accounts receivable factors 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.

About Our Commercial Finance Company

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!

Our Affiliations & Partnerships