Invoice Factoring
Invoice factoring can turn eligible outstanding B2B invoices into working capital — often in as little as 24-48 hours — while you wait for customers to pay.
The short answer
Invoice factoring converts outstanding business-to-business invoices into working capital: a factoring company advances part of an eligible invoice’s value, then is repaid when the customer pays. Paradise Working Capital, a Hawaii-based broker, reviews the invoices, the customers’ ability to pay, and the transaction structure, then matches the request to a participating funding source.
How This Program Works
Invoice factoring is built around outstanding business-to-business invoices. A factoring company advances part of the eligible invoice value, then is repaid when the customer pays the invoice. The review focuses on the invoices, your customers’ ability to pay, the transaction structure, and the supporting records.
Eligible B2B invoices are central to review
Your customers’ ability to pay is considered
Invoice and business records required
Advance and fees vary by funding source
No fixed cap — scales with eligible invoice value
Invoice Factoring Calculator
Move the sliders to see an educational funding estimate for this program. It is not an approval, offer, or substitute for a completed application and document review.
Based on these inputs, this is an estimate to discuss — not an approval or offer.
This calculator estimates potential Invoice Factoring funding based on the requested amount, within this program's typical range of $30K+ — No Fixed Cap. This program is generally sized by the underlying asset, property, or invoice value rather than monthly revenue. Estimates are for illustration only and do not constitute a loan offer.
Pre-qualification credit check: Our initial pre-qualification review uses a soft credit pull* — it does not affect your credit score. All estimates require a completed application and the requested documents for full review. Paradise Working Capital is a broker, not a direct lender. Program availability, funding amounts, and terms are subject to lender approval.
*See important information: after you choose to move forward, a participating lender may request a full credit inquiry as part of approval or subsequent underwriting. We will explain that step before it occurs.
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How It Works
The review begins with a complete form and the documents needed for the program. Timing depends on the request, the funding source, and how quickly the file can be completed.
Complete the Form and Documents
Tell us what you need, complete the application, and provide the business, financial, invoice, equipment, or property documents relevant to your request.
We Review the Full Picture
Once the requested information is in, a local advisor reviews the request and looks for potential program fits within our lending network.
Review Potential Options
If a potential fit is identified, we explain the next steps and any available proposal. The participating funding source makes the final decision.
Invoice Factoring — Frequently Asked Questions
How fast can I get funded?
Underwriting can be completed in as little as 24-48 hours, with funds often arriving the next business day once an invoice is approved. Exact timing depends on the invoices, your customers’ payment history, and the participating funding source — no specific timing is guaranteed.
What documents do I need to apply?
Typically: the outstanding B2B invoices you want to factor, information about the customers being invoiced, and basic business and bank records. Additional documents may be requested depending on the funding source.
Who collects payment from my client?
Depending on the program, the factoring company may collect directly or you may continue collecting as usual.
Start Your Funding Review
To identify a suitable program, we need the completed form and the requested business documents. You can upload them below so we can review the full picture; additional information may be requested depending on the program and funding source.
⚠️ Required for an accurate review: at least 2 months of recent business bank statements (some programs need up to 6), plus your business details below (time in business, entity type, revenue). Applications missing these go to manual review, which slows things down.
You're In — Application Received!
Thank you for your submission. Please check your email — we're sending you next steps and instructions right now. Don't see it in a few minutes? Check your spam or junk folder, just in case.
A local funding advisor will review the completed information and documents. If anything is missing, we will let you know what is needed before potential program options can be evaluated.
Your application needs manual review because some required information (bank statements) is missing. One of our teammates will reach out shortly to get what's needed.