A
Accounts receivable is full.
Revenue is on paper, but the operating account is thin.
Invoice cash-flow route
Get paid for the work already sitting in receivables.
Your customer pays in 30, 60, or 90 days — but payroll, fuel, materials, and tax remittances are due now. Invoice financing turns those unpaid invoices into cash you can use this week, instead of money you’re still waiting on. If you want the mechanics first, start with how invoice factoring works and what the PPSA says about selling receivables.
Not ready to apply?Call or text 780-830-8726— a real person, no credit pull.No credit pull to startCustomer credit matters mostReal person review
P
Payroll is not waiting.
Crews, drivers, subs, and suppliers need payment before the customer sends theirs.
G
Growth creates pressure.
More invoices can mean more stress when every customer pays slow.
T
Terms are the problem.
Net 30, net 60, and net 90 can quietly starve a good business.
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Newer businesses may still fit.
A strong customer can matter more than years in business.
Right tool, right pressure
Invoice financing fixes timing on money you already earned.
It is strongest when the work is complete, the invoice is clean, and a creditworthy commercial customer owes the money. It is the wrong route when there is no invoice yet.
Start with the receivable, not the loan amount.
Most financing pages ask “How much do you want?” Invoice financing starts with a better question: “Who owes you, what invoice is outstanding, and when are they expected to pay?”
Completed work, slow payerCommercial customer on payment terms.
Invoice route
Costs due before any billingMaterials, payroll, mobilization, or rent before an invoice exists.
Working capital
Freight delivered, broker pays laterRate confirmation and proof of delivery in hand.
Freight factoring
Consumer invoices or cash on deliveryNo commercial receivable on terms to advance.
Poor fit
Buying the truck, trailer, or machine itself? That is asset financing, where the equipment is the collateral for a lower rate over a longer term — our sister brand IronFinance handles those.
The file is sized around your customers.
Because the factor collects from your customer, the review usually centres on who owes you and whether the invoice is clean.
01
Customer creditSolid commercial customer with a track record of paying.
Primary
02
Clean paperworkCompleted work, clear invoice, no dispute or lien conflict.
Speed
03
Terms and recourseKnow who carries the risk if the customer does not pay.
Cost
Invoice advance estimator
See what may land now.
This is a simple estimator, not a quote. It shows the basic factoring mechanics: invoice value, advance rate, fee, reserve, and what comes back after the customer pays.
$42,000face value
85%up front
3%example
60days
Advance now$35,700
Reserve held$6,300
Example fee$2,520
Actual advance, fees, timeline, holdbacks, and qualification depend on the factor, the customer, invoice quality, contract terms, and risk review.
How to compare offers
The headline rate is not the full story.
Factoring can look simple until minimums, reserve rules, recourse, customer notification, and contract length change the real cost.
How much cash lands first?
Higher is not always better if the fee, reserve rules, or lock-in are worse. Compare the total cash flow, not just the first deposit.
How is the fee charged?
Many offers are quoted per 30 days outstanding. The slower the customer pays, the more the receivable can cost.
Who eats a bad debt?
Recourse can cost less, but you may have to buy back unpaid invoices. Non-recourse can cost more and still has conditions.
Can slow months trap you?
Monthly minimum volume, long contracts, and exit fees matter if your billing is seasonal or uneven.
Funding timeline
Setup takes review. After that, invoices can move fast.
The first setup usually takes longer because the factor checks customers and paperwork. Once approved, eligible invoices can often fund much faster.
Start the file
Tell Crewline about the invoices, customers, industry, amount, and timing pressure.
Check the receivables
The factor reviews customer credit, aging, invoice quality, and whether the receivable is clean.
Advance the invoice
Most of the eligible invoice value can be released up front after approval and setup.
Release the reserve
When the customer pays, the reserve is settled minus the agreed factoring fee.
Have these ready
Clean paper moves the file.
You should not feel buried before you start — but a few documents quietly speed things up once a real review begins.
AR aging reportWho owes what
Sample invoicesCompleted work
Customer listCommercial buyers
No-lien confirmationReceivable clarity
Business detailsBasic company info
“You already did the work. The customer’s payment terms should not become your payroll problem.”
What makes a file clean
✓ The work is complete and the invoice is issued
✓ A commercial customer owes the balance, on terms
✓ The amount is undisputed and not already factored
FAQs
Questions before they apply.
These answer the fear questions, not just the SEO ones — the last friction before the check.
How much of the invoice do I get up front?
Many factors commonly advance around 80–90% of eligible invoice value, then release the remaining reserve minus their fee after the customer pays.
Is invoice factoring a loan?
No. The basic structure is selling or assigning a receivable rather than borrowing against the business like a traditional loan.
Can a newer business qualify?
Often, yes. The customer’s credit and the quality of the invoice can matter more than years in business.
When is this the wrong tool?
It is usually a poor fit when there is no invoice yet, the customer is a consumer, the invoice is disputed, or the receivable is already pledged elsewhere.
Start with the invoice
Turn receivables into this week’s operating cash.
Tell us about the invoices, the customers, and the timing gap. No credit pull to start — a real person reviews the file and helps identify whether invoice financing, working capital, or another route makes more sense.