Invoice Factoring

Stop waiting 30, 60, or 90 days to get paid. Turn outstanding invoices into cash in as little as 24 hours — no FICO minimum, 70–90% of invoice value upfront.

Full Application →

Scales with your ARFunding Range

Eligibility

Do You Qualify?

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Funded in as little as 24 hours

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No FICO minimum

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B2B invoices to creditworthy clients

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Scales as your AR grows

How It Works

Three steps, no bank visit — from application to funded in as little as one business day.

1️⃣

Apply in Minutes

Fill out our simple form. No lengthy paperwork, no in-person meetings required.

2️⃣

Your Advisor Finds Your Best Match

A local funding advisor uses AI-powered tools to compare your business against 50+ lenders.

3️⃣

Funded — Possibly Within 24 Hours

Once approved, funds are deposited directly into your business bank account.

Invoice Factoring — Frequently Asked Questions

Who collects payment from my client?

Depending on the program, the factoring company may collect directly or you may continue collecting as usual.

Find Out in 2 Minutes

No commitment. Soft pull for pre-qualification only. A local funding advisor will review your application and reach out same day — typically within a few hours during business hours.

First Name

Last Name

Business Name

Phone Number

Email Address

Monthly Revenue

Funding Needed

Funding Type (optional)

Business State

Estimated Credit Score (FICO)

Do you own commercial or investment property?

Yes No

By submitting, you agree to be contacted by Paradise Working Capital or one of our lending partners.
We respect your privacy and never sell your information.

Credit Check Notice: Pre-qualification uses a soft credit pull only — no impact to your credit score. Following pre-qualification, a full credit report from one or more credit bureaus may be required by lenders to complete your application. You will be informed before any hard inquiry is made.

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You're In — Application Received!

A local funding advisor will review your application and reach out same day — typically within a few hours during business hours. They may follow up for a document or two, then get your options in front of the right lenders. Keep an eye on your phone and email.

Check My Funding Options →