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Fundbox vs. Kabbage: Which Is the Better Lender for Your Business?

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Both Fundbox and Kabbage are popular names in the small business financing space. Both companies offer funding quickly, have a digital application and approval process, and set easy qualification standards—definitely different than what you’ll find at your local bank. But when you’re on the search for a small business loan, it’s important to carefully compare your options. Between Fundbox vs. Kabbage, how do you know which online lender to trust?

We’ll help you decide between Fundbox vs. Kabbage and will cover each company’s eligibility requirements, cost, and pros and cons. We’ll tell you which types of businesses are a better fit for Fundbox and which businesses should opt for Kabbage. Fundbox and Kabbage offer very different loan products for different kinds of customers, so the best choice for you depends on your business’s unique needs and financial situation.

How Fundbox works

Fundbox is a San Francisco-based B2B financial technology company that provides lines of credit for small business owners. In addition to lines of credit, Fundbox also operates a net terms marketplace for buyers and sellers.

Fundbox line of credit overview

Fundbox is one of Kabbage’s top competitors for their line of credit. Here’s an at-a-glance look at Fundbox’s credit line amounts and terms:

  • Loan amount: $100 to $100,000

  • Loan term: 12 weeks or 24 weeks

  • Loan rates: Approximately 0.5% to 0.9% of the drawn amount per week

  • TrustPilot score: 4.8/5

Fundbox Net Terms Marketplace overview

Apart from their line of credit product, Fundbox also operates a net terms marketplace for B2B sellers and buyers (formerly, this product was called Fundbox Pay). This product is meant to address a dual problem—sellers not receiving payment on time for services rendered and buyers lacking the cash flow to pay for services immediately.

Either a seller or a buyer can create a Fundbox account. If you’re a seller, you can create an account and offer access to net terms for your buyers. If you’re a buyer, you can create an account and request net terms from your sellers. The easiest way to understand how this marketplace works is with an example.

Let’s say Annie Accounting provides accounting services worth $2,000 to Betty Business. Betty can’t pay for these services right away, so Annie Accounting creates a Fundbox account and offers 60-day net terms to Betty. Fundbox will pay Annie right away, minus a 1% to 3.3% merchant fee. Betty can pay Fundbox within the 60-day time frame without incurring any fees. After 60 days, Fundbox charges a weekly fee for payment up to 52 weeks. The interest rate is currently 19.42%, for a 52-week plan in most U.S. states. There are some states with lower rates.

Fundbox eligibility requirements

The standards to qualify for a line of credit from Fundbox are relatively easy. Here’s a quick glance at the minimum requirements you’ll need to meet:

  • Time in business: Three months

  • Profitability: Not required

  • Collateral: No (Fundbox might place a lien on business assets in some cases)

  • Personal guarantee: Not required on lower credit limits

  • FICO credit score minimum: 500

  • Minimum annual revenue: $25,000

  • Entity type: Any U.S.-based business

In addition to the above, you’ll also need either a business bank account or accounting software.

Fundbox cost and repayment

Fundbox has two different products—the line of credit and net terms—with different costs and repayment options.

Interest rates on the line of credit product start at 4.66% for a 12-week repayment plan. When you convert this into a weekly rate, it ends up costing 0.5% to 0.9% of the drawn amount per week. For example, if you borrow $5,000 for 12 weeks, you’ll pay between $25 to $45 each week for 12 weeks. This amount will automatically be debited from your business bank account. On the 24-week plan, the fee is higher, but the weekly payment amount is lower since it is distributed over more weeks. There is no prepayment penalty and, if you pay off the loan early, you can save on fees.

If you’d like to offer net terms to your buyer on the Fundbox marketplace, you’ll have to pay a merchant fee of 1% to 3.3% for net terms ranging from 15 to 90 days. The longer your net terms, the higher the fee you’ll have to pay. Buyers won’t pay a fee for payments made within the net terms that their seller offers. After the net terms expire, buyers will pay a weekly fee. The interest rate after net terms end is currently 19.42%, for a 52-week plan, in most U.S. states.

Fundbox is best for: Businesses that want small credit lines or want to offer net terms

Fundbox is best for businesses that need fast, easy access to a small business line of credit. The easy eligibility requirements for the line of credit make Fundbox a good option for business owners with bad credit. The application process is very quick, and no paperwork is required, which is nice for busy small business owners.

That said, the maximum amount of money you can borrow through Fundbox is $100,000. And you have to pay back the funds within 12 weeks or 24 weeks. If your credit needs are higher or if you need to borrow funds for a longer period of time, you’re better off opting for Kabbage or another lender altogether.

Another Fundbox solution is to get paid faster for your services by utilizing their net terms marketplace. No other company is really competing with Fundbox in this space right now, and their cost to offer terms is pretty reasonable. If you’re a B2B seller and have been struggling with uneven cash flow, Fundbox might be just the answer you were looking for.

When Fundbox isn’t a good fit

Although Fundbox has few restrictions in terms of your credit history or your business’s financial qualifications, this lending solution certainly isn’t the right solution for every business.

Fundbox won’t be a good fit for your business if you:

  • Won’t be able to repay a loan within 12 to 24 weeks

  • Need more than $100,000 in financing

Fundbox application process

Once your financing has been approved, this connection will also give Fundbox access to timely updates as your sales numbers change. Based on increased sales, you might be approved for a larger credit line.

Fundbox’s system is readily engineered to work with cloud-based accounting systems including, but not limited to:

  • QuickBooks Online and Desktop

  • Freshbooks

  • InvoiceASAP

If you don’t have accounting software, you’ll simply connect your business bank account to Fundbox.

How Kabbage works

Kabbage is another financial technology company headquartered in Atlanta, Georgia. Kabbage Funding offers only one product—a short-term line of credit for small businesses. You’ll be approved for a maximum funding limit from which you can draw upon the balance as needed. You’ll only need to pay interest on the funds you actually use.

Kabbage Funding line of credit overview

Funds obtained through a Kabbage Funding line of credit can be used for almost any business purpose.

Here’s a top-line look at Kabbage Funding lines of credit:

  • Loan amount: $2,000 to $250,000

  • Loan term: Six, 12, or 18 months

  • Loan rates: Flat monthly fee of 1.5% to 10%

  • TrustPilot score: 4.8/5

Does this seem like a potential match for your business’s needs? Here’s a closer look at what it means to obtain small business financing from Kabbage Funding.

Kabbage Funding eligibility requirements

Along with helping you get cash into your bank account quickly, Kabbage Funding is seen as a great option for many borrowers because of their relatively flexible qualification standards. Here’s a look at Kabbage Funding’s eligibility requirements for their line of credit:

  • Minimum time-in-business: 12 months

  • Profitability: Not required

  • Personal guarantee: Required

  • FICO credit score: Kabbage Funding doesn’t have a minimum credit score

  • Minimum annual revenue: $50,000

  • Entity type: Any U.S.-based business (except those in the following excluded industries: marijuana, CBD, firearms, gambling, financial institutions, lending, or non-profit organizations)

In addition to these factors, Kabbage Funding does have a few other eligibility requirements for its borrowers. You must be able to show a minimum average bank balance of $2,500, and you can’t have a personal bankruptcy within the last calendar year.

That said, it is particularly attractive to borrowers that although Kabbage Funding will review your personal credit history, there is no specific credit score that is required as a minimum in order to be eligible for financing. In contrast, Fundbox has a credit score minimum of 500.

Kabbage Funding cost and repayment

Whereas Fundbox charges a weekly fee on its line of credit product, Kabbage Funding charges fees on a monthly basis. The monthly fee ranges from 1.5% to 10% based on a range of factors, such as credit score and business revenue. Every month, you’ll pay back an equal portion of your loan principal, plus the monthly fee.

Kabbage Funding will approve you for one of three repayment options—six, 12, or 18 months. Your fee structure depends on which repayment term you’re approved for. For the six and 12-month loans, the fee is front-loaded, meaning you’ll a higher fee in the first few months. You can save on fees with the six and 12-month loan by paying off the loan early, but you won’t be able to save too much since the fees are front-loaded. On the 18-month loan, you’ll pay the same fee each month and won’t be able to earn any prepayment savings. The fee and principal repayments will be automatically debited each month from your business bank account.

Kabbage Funding is best for: Businesses that want larger credit lines quickly

As a lender, Kabbage is known for two things: speed and flexibility. This lender prides itself on making their application and underwriting process as quick, simple, and automated as possible. The application process typically takes one to five days—and once your application has been reviewed and an offer made, you can have cash in your business bank account within minutes.

Along with the ability to obtain approval and funding quickly, Kabbage Funding is also a useful choice for borrowers with poor personal credit. Although Kabbage Funding does check your personal credit score, this factor isn’t weighed as heavily as the rest of your business information. Instead, Kabbage Funding will request to connect electronically with one or more of your online banking, accounting, or merchant services accounts in order to evaluate your business’s recent financial history.

Since Kabbage Funding offers up to $250,000 in funding, they are a good option for businesses with larger capital needs. In addition, you can have up to 18 months to pay back a Kabbage Funding line of credit, and you’ll pay in monthly installments. A longer repayment term means lower monthly payments and a smaller burden on your business’s cash flow.

When Kabbage isn’t a good fit

Kabbage Funding has some flexible line of credit solutions, but it’s not a good option for all businesses. Kabbage Funding won’t be a good fit for your business if you:

  • Can pay back your loan within 24 weeks (you’ll probably save more by using Fundbox in this case)

  • Have strong credit (you can probably qualify for a less expensive product than Kabbage Funding in this case)

  • Want to offer net terms to buyers

Kabbage Funding application process

The Kabbage Funding application process is very quick and user-friendly, similar to Fundbox. There’s no paperwork that you’ll have to provide. You’ll simply connect your business bank account and other business accounts to your Kabbage Funding application. For example, if you’re an Amazon seller, you can connect your Amazon seller account to demonstrate your sales history.

Here are a few examples of accounts that Kabbage Funding may consider to underwrite your business:

  • A business checking account

  • eBay account

  • Paypal account

  • Amazon lender account

  • Etsy account

  • Yahoo account

  • Square account

  • Authorize.net account

  • Sage account

  • Stripe account

  • QuickBooks account

  • Xero account

Because you’ll be asked to connect at least one of your business’s financial accounts to the Kabbage system (you’ll have better odds if you connect more, though), they will review your financial history carefully before making a decision. This offers Kabbage Funding a more holistic view of the internal workings of your business.

Kabbage Funding will analyze your business’s performance and give you an approval decision within minutes.  For credit lines over $200,000, approval can take up to five business days. Before they send the funds to your account, Kabbage Funding will authorize one hard credit inquiry, which can lower your credit score by a few points.

Fundbox vs. Kabbage Funding: Making your choice

Both Fundbox and Kabbage Funding work with less established businesses as well as borrowers with less-than-stellar credit scores. However, their products are structured differently. If you’re struggling to choose between Fundbox vs. Kabbage Funding for your own financing needs, here are some quick and easy questions to ask yourself:

Have a B2B business model?
Fundbox

Do you have outstanding customer invoices?
Fundbox

Can you repay your financing within 12 weeks?
Fundbox

Do you need a longer repayment term, up to 18 months?
Kabbage Funding

Do you need more than $100,000 in funding?

Kabbage Funding

Do you prefer monthly payments, as opposed to weekly payments?

Kabbage Funding

Most businesses will find themselves in need of financing at some point—and it can be difficult to decide where to turn for that funding. Fortunately, both Fundbox and Kabbage Funding can be great options for business owners. And now that you understand what Fundbox vs. Kabbage Funding can offer for small business owners and how they differ from each other, you should be able to determine which will be the best fit for your business.

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Finance & Accounting

Chargeback Fraud: What Small Businesses Need to Know

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Chargeback fraud occurs when a customer disputes a credit card charge with their bank without following proper procedures or by giving reasons that are false. A chargeback is a process by which a customer requests reimbursement for a disputed credit card transaction that meets certain criteria under federal law; the merchant who received payment from the disputed transaction loses the money from the transaction and also has to pay a chargeback fee, typically $20 or more. When consumers request chargebacks for false reasons or accidentally, the impact on small businesses can add up quickly.

But small businesses can fight suspected chargeback fraud, and there are a few practices you can put into place to try to avoid chargebacks that result from simple confusion.

Nerdy tip: While illegitimate chargebacks are colloquially referred to as chargeback fraud, they often don’t quite fit the legal definition of fraud because it’s difficult to prove intent, and in some cases, the dispute might be accidental. In this article, chargeback fraud is referring broadly to all types of chargebacks that aren’t legitimate or don’t follow proper procedures.

How chargeback fraud happens

Chargebacks are a way for people to refute unauthorized transactions through their banks rather than directly with a merchant. Under federal law, there are three valid types of credit card disputes:

  1. Unauthorized use, when someone charges a person’s credit card without their permission.

  2. Billing errors, when a merchant incorrectly charges a consumer or charges them for a product they didn’t receive.

  3. Right to withhold payment, when a customer has attempted to address a complaint with the merchant but hasn’t been able to resolve the issue.

But people sometimes use these protections to circumvent merchant refund policies and get their money back for illegitimate reasons. In these cases, merchants can file a counter-dispute. Reasons that consumers commonly give for chargebacks include not receiving an item, a transaction being unauthorized or a service continuing to charge them despite their attempts to cancel. But a buyer’s actual reason might differ: Maybe they want to keep the item without paying for it, they regret making a purchase, they waited too late to return the item or they honestly forgot they made the purchase.

How it can affect small businesses

Regardless of which type of fraud occurs, when people bypass merchants to request an illegitimate chargeback, it affects small businesses in many ways.

Lost revenue

The most obvious loss is the potential profit from the product or service. With a chargeback, the customer is essentially refunded the cost of the product, which means a merchant is out an item without being paid for it.

Merchants often have to pay chargeback fees as well. When a bank processes a chargeback, they often charge the merchant a fee to penalize them for what the bank views as an illegitimate transaction. Fees can start out around $20 but can grow if a small business frequently experiences chargebacks. Small businesses are also paying the transaction fee for processing the payment, which is more money out of their cash box.

Higher risk category

A high frequency of chargebacks can lead a merchant to be labeled as a high-risk business. Small businesses that are classified as high-risk often pay higher per-transaction fees and might be canceled by their current payment processor. This can lead to a bigger cut in profit and complicate payment processing options.

What small businesses can do

Successfully disputing chargebacks is difficult, but possible. A 2021 survey of more than 400 merchants from Chargebacks911, a company that helps businesses reduce their chargebacks, found that while businesses respond to around 43% of chargebacks, an average of only 12% were recovered successfully. To improve your odds of success, try this:

Respond quickly

Chargeback responses have deadlines, and you’ll be out of options if you wait too long to respond. Gather your information and respond to the chargeback in a timely manner. But not so quickly that you overlook information. Give yourself time to be thorough.

Talk with the customer

Try to identify the issue and learn what is going on beyond what the card issuer or bank tells you in the chargeback notification. Keep the conversation friendly, and report the conversation in your documentation to the card issuer or bank to inform them of any relevant information the customer explained to you to support your case.

Prove your point

Merchants are able to write a rebuttal letter for a chargeback. If you have time, craft a letter that clearly states your evidence for why the chargeback is fraudulent and why the charge is legitimate. Keep a professional voice and provide evidence of your argument, including pictures and screenshots.

 

How to avoid chargeback fraud

Small businesses can take steps to decrease their odds of experiencing illegitimate chargebacks, including:

Ensure the charge on a statement matches your business name

Some people will report a charge as unauthorized if they do not recognize the business name on their financial statement. You can avoid this by ensuring that your business name appears correctly on transactions. If you need to update this information, contact your payment processor. If you can’t update it and it’s not identical to your business name, notify the customer within the email confirmation so they know what to expect.

Track shipments

Using tools and services that track shipments and show when a product is delivered gives you more leverage to dispute a chargeback when a customer asserts that a product was not delivered.

Make it easy to return items

By relaxing your window for returns, you make it simpler to return items for a refund. Customers might be more inclined to work with you if they know they can still return an item instead of calling their credit card issuer after a short window has passed. Making contact methods easy to locate and responding to upset customers might help the process as well.

 

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Banking

How to Get a Loan to Buy a Business

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Not everyone wants to take on the challenge of building a business from the ground up. An attractive alternative can be to step into a business that’s already up and running by purchasing it from the current owner. Some advantages of buying a business may include easier financing, an established customer base and an existing cash flow.

Buying a business is different from buying a franchise. Franchises have a set business model that’s proven to work. However, when you buy an independently operated business, it’s important to show the lender that you, your previous business experience and the business you want to buy are a winning combination.

What lenders look at when you want to buy a business

Because lenders can view the performance record of an existing business, it’s typically easier to get a loan to purchase an existing business compared with startup funding. However, your personal credit history, experience and details about the acquisition business still matter.

Your personal credit and experience

Through credit reports and credit scores, lenders are able to assess how you’ve managed debt in the past and potentially gain insights into how you will handle it in the future. Your education and experience will also be evaluated.

Solid credit history: Lenders look to see if you have a history of paying your debts. Foreclosures, bankruptcies, repossessions, charge-offs and other situations where you haven’t paid off the full amount will be noted.

Business experience: Having worked in the same industry as the business you want to purchase is helpful. Related education can also be viewed as a positive.

Other businesses you’ve owned

Having a track record of operating other successful businesses can have a positive influence on lenders when it comes to buying a new operation.

Record of generating revenue: Business financial statements can help a lender document that your current or past businesses were well-managed and turned a profit.

Positive credit record: Lenders review business credit scores and reports to verify creditworthiness and to identify liens, foreclosures, bankruptcies and late payments associated with your other businesses.

The business you want to buy

Just because a business is operating doesn’t mean it’s a good investment. Lenders will ask for documentation, often provided by the current owner, to assess the health of the operation.

Value of the business: Like you, your lender will want to ensure that you’re buying a business that has value and that you’re paying a fair price.

Past-due debts: Lenders will be interested in the business’s past-due debts, which may include liens, various types of taxes, utility bills and collection accounts.

Documentation

Most lenders will let you know what they want included in the loan application package, but there are some personal documents that are typically requested, as well as ones related to the business you want to purchase.

Personal documents

The following documents are used to evaluate your personal finances, business history and plans for operating the business after its purchase:

  • Personal tax returns.

  • Personal bank statements.

  • Financial statements for any of your other businesses.

  • Letter of intent.

Business documents

Documents from the current business owner will also be evaluated. Some common ones requested by lenders include:

  • Business tax returns.

  • Profit and loss, or P&L, statements.

  • Business balance sheet.

  • Proposed bill of sale.

  • Asking price for inventory, machinery, equipment, furniture and other items included in the sale.

Where to get a loan to buy a business

Compared with finding a loan to start a business, getting funding to buy an existing business may be easier. Here are three popular funding options to check into for a business loan:

Bank loans

Banks generally offer the lowest interest rates and best terms for business loans. To qualify for this type of loan, you’ll typically need a strong credit history, plus the existing business will need to be in operation for a certain minimum of years and generate a minimum annual revenue amount set by the lender.

SBA loans

If borrowers don’t qualify for a traditional bank loan, then SBA loans, ones partially guaranteed by the Small Business Administration, may be the next option to explore. Because there is less risk to the lender, these loans can be easier to qualify for. Banks and credit unions frequently offer SBA loans in addition to traditional bank loans.

Online business loans

Another option to consider is online business loans. Online business loans may offer more flexibility when it comes to qualification, compared with bank and SBA loans. Minimum credit score requirements can be as low as 600, and in a few cases lower. Generally, interest rates are higher than what’s available with a traditional bank loan.

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Accounts Receivable Financing: Best Options, How It Works

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Accounts receivable financing, also known as invoice financing, allows businesses to borrow capital against the value of their accounts receivable — in other words, their unpaid invoices. A lender advances a portion of the business’s outstanding invoices, in the form of a loan or line of credit, and the invoices serve as collateral on the financing.

Accounts receivable, or AR, financing can be a good option if you need funding fast for situations such as covering cash flow gaps or paying for short-term expenses. Because AR financing is self-securing, it can also be a good choice if you can’t qualify for other small-business loans.

Here’s what you need to know about how accounts receivable financing works and some of the best options for small businesses.

How Much Do You Need?

with Fundera by NerdWallet

How does accounts receivable financing work?

With accounts receivable financing, a lender advances you a percentage of the value of your receivables, potentially as much as 90%. When a customer pays their invoice, you receive the remaining percentage, minus the lender’s fees.

Accounts receivable financing fees are typically charged as a flat percentage of the invoice value, and generally range from 1% to 5%. The amount you pay in fees is based on how long it takes your customer to pay their invoice.

Here’s a breakdown of how the process works:

  1. You apply for and receive financing. Say you decide to finance a $50,000 invoice with 60-day repayment terms. You apply for accounts receivable financing and the lender approves you for an advance of 80% ($40,000).

  2. You use the funds and the lender charges fees. After receiving the financing, you use it to pay for business expenses. During this time, the lender charges a 3% fee for each week it takes your customer to pay the invoice.

  3. You collect payment from your customer. Your customer pays their invoice after three weeks. You owe the lender a $4,500 fee: 3% of the total invoice amount of $50,000 ($1,500) for each week.

  4. You repay the lender. Now that your customer has paid you, you’ll keep $5,500 and repay the lender the original advance amount, plus fees, $44,500. You paid a total of $4,500 in fees, which calculates to an approximate annual percentage rate of 65.7%.

Because accounts receivable financing companies don’t charge traditional interest, it’s important to calculate your fees into an APR to understand the true cost of borrowing. APRs on accounts receivable financing can reach as high as 79%.

Accounts receivable financing vs. factoring

Accounts receivable financing is often confused with accounts receivable factoring, which is also referred to as invoice factoring. Although AR financing and factoring are similar, there are differences.

With invoice factoring, you sell your outstanding receivables to a factoring company at a discount. The factoring company pays you a percentage of the invoice’s value, then collects payment directly from your customer. When your customer pays, the factoring company gives you the rest of the money you’re owed, minus its fees.

With accounts receivable financing, on the other hand, your invoices serve as collateral on your financing. You retain control of your receivables at all times and collect repayment from your customers. After your customer has paid their invoice, you repay what you borrowed from the lender, plus the agreed-upon fees.

Invoice factoring can be a good financing option if you don’t mind giving up control of your invoices and you can trust a factoring company to professionally collect customer payments. If you’d rather maintain control of your invoices and work directly with your customers, AR financing is likely a better option.

Best accounts receivable financing options

Accounts receivable financing is usually offered by online lenders and fintech companies, many of which specialize in this type of business funding. Certain banks offer AR financing as well.

If you’re looking for a place to start your search, here are a few of the best accounts receivable financing companies to consider.

altLINE

A division of the Southern Bank Company, altLINE is a lender that specializes in AR financing. AltLINE offers both accounts receivable financing and invoice factoring, working with small businesses in a variety of industries, including startups and those that can’t qualify for traditional loans.

AltLINE offers advances of up to 90% of the value of your invoices with fees starting at 0.50%. To get a free quote from altLINE, call a representative or fill out a brief application on the lender’s website. If you apply online, a representative will contact you within 24 hours.

AltLINE’s website also contains a range of articles for small-business owners, covering AR and invoice financing, payroll funding, cash flow management and more. AltLINE is accredited by the Better Business Bureau and is rated 4.7 out of 5 stars on Trustpilot.

1st Commercial Credit

1st Commercial Credit offers accounts receivable financing in addition to other forms of asset-based lending, such as invoice factoring, equipment financing and purchase order financing. The company works with small and medium-sized businesses, including startups and businesses with bad credit.

With 1st Commercial Credit, you can finance $10,000 to $10 million in receivables with fees ranging from 0.69% to 1.59%. You can start the application process by calling a sales representative or filling out a free quote form on the company’s website. After your application is approved, it typically takes three to five business days to set up your account, then you can receive funds within 24 hours.

1st Commercial Credit is accredited by the Better Business Bureau and has an A+ rating.

Porter Capital

Porter Capital is an alternative lender specializing in invoice factoring and accounts receivable financing. The company also has a special division, Porter Freight Funding, which is dedicated to working with businesses in the transportation industry.

With Porter Capital, you can receive an advance of 70% to 90% of your receivables and work with an account manager to customize a financing agreement that’s unique to your business. Porter funds startups and established businesses, offering fees as low as 0.75% monthly.

You can provide basic information about your business to get a free quote and receive funding in as little as 24 hours. Although Porter Capital isn’t accredited by the Better Business Bureau, it does have an A+ rating; the company also has 3.7 out of 5 stars on Trustpilot.

Additional options

Although AR financing and factoring are distinct, many companies blur the lines between the two. As you compare options, make sure you understand the type of financing a lender offers.

If you decide that invoice factoring may be a fit for your business, you might consider companies like FundThrough, Triumph Business Capital or RTS Financial.

Find and compare small-business loans

If accounts receivable financing isn’t right for you, check out NerdWallet’s list of the best small-business loans for business owners.

Our recommendations are based on the market scope and track record of lenders, the needs of business owners, and an analysis of rates and other factors, so you can make the right financing decision.

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