For Businesses

Cash flow without the wait.

Stop waiting 30, 60, or 90 days for customers to pay. ArcFi advances up to 90% of your outstanding invoices — no new debt, no equity diluted, no endless paperwork.

INVOICE ADVANCE Funded

Apex Creative LLC

$18,500

Invoice #AF-2201 · Net-60

Invoice Total: $18,500
Advanced (90%): $16,650
Factoring Fee: 2.1%

Capital Received · Active

Invoice Factoring

What is invoice factoring?

When a customer owes you money on a Net-30 or Net-60 invoice, ArcFi pays you now and collects from your customer later. You get capital today without taking on any debt.

Advance on your invoice

Get up to 90% of invoice value within 24 hours of approval.

Customer pays ArcFi directly

When your customer settles, ArcFi closes the position.

From invoice to cash — in 5 steps.

No bank meetings. No weeks of waiting. No confusing paperwork.

1 / 5

Complete the work, send the invoice

Deliver your product or service and send your customer an invoice on their normal payment schedule. ArcFi takes it from here.

Eligibility

Is ArcFi invoice factoring right for you?

Designed for small and medium businesses that bill other businesses. If your clients pay on terms, you qualify.

Registered business (LLC, Corp, Sole Proprietor)
Outstanding B2B invoices of $1,000 or more
Invoice issued to a verified buyer
Business bank account via Plaid
KYB verification at sign-up

Eligibility Check

You're approved

Business registered

Invoice ≥ $1,000

Buyer verified

Bank connected (Plaid)

KYB verification

5 of 5 requirements met

Your invoices are assets. Time to treat them that way.

Join the waitlist — be first when ArcFi invoice factoring goes live.

Read FAQ