How It Works
Invoice factoring converts outstanding invoices into immediate working capital. No debt involved. We match you with lenders who pay you upfront, then collect from your client later.
Inventory
Turn invoices into restock capital so you can prep for high-volume periods with confidence.
Cash Flow
Stabilize your operations and cover daily expenses while you wait for payments to arrive.
Vendors
Pay suppliers quickly to avoid late fees or take advantage of early-payment discounts.
Growth
Use your receivables to reinvest in marketing, hiring, or expansion, without waiting 60+ days.
Payroll
Make sure your employees and contractors are paid on time, even if clients delay their checks.
Repairs
Handle emergency costs or equipment fixes without impacting your working capital.
Projects
Fund the next phase of work before the last invoice clears, so progress never stalls.
Rent & Overhead
Stay current on rent, utilities, and operating costs even during cash flow gaps.
Debt Avoidance
Access funds without new debt, factoring keeps your balance sheet clean.
Accelerating Freight Payments
A logistics firm had $140,000 tied up in outstanding broker invoices with 45-day terms. By factoring $100,000, they paid drivers on time, covered fuel, and avoided taking out high-interest credit.
Funding the Next Phase of Construction
A general contractor needed working capital to start a new commercial build while waiting on a $300,000 progress payment. With invoice factoring, they advanced $250,000 in days and stayed on schedule.
Is This Right for You?
Invoice factoring isn’t for everyone, but it’s ideal for B2B companies who regularly invoice customers and need faster access to funds. If your business is profitable but your receivables are slow to pay, invoice factoring might be a fit.
You invoice clients regularly
If you bill for completed work or shipped orders, factoring lets you tap that income early.
Your business is B2B
Factoring works best for companies that invoice other businesses, not consumers, for products or services.
You’re waiting on payments to move forward
Whether it’s payroll, rent, or restocking, factoring helps you keep moving while clients take their time.
Loan Details
Here’s what you can expect when factoring invoices through Capital Two. We focus on transparency and speed, so you know exactly how much you’ll receive and when. No debt, no guesswork, just fast access to the cash you’ve already earned.
$5,000+
70–90% of invoice value
1–2 business days
Flat or % per week
Based on your customer's reliability
Why Us
The Benefits of Choosing Capital Two
Capital Two isn’t just fast. We’re built for business owners who need a partner, not just a lender. We offer transparent terms, real support, and funding solutions designed to meet you where you are and get you where you’re going.
Fast Approvals
You don’t have weeks to wait. We deliver funding decisions in as little as 24 hours, so you can act fast when it counts.
Flexible Solutions
No two businesses are alike. That’s why our financing options are tailored to your needs - not stuck in a template.
Dedicated Support
When you reach out, you get real people. Funding experts who listen, guide, and stick with you from start to funded.
Specialized Focus
We do one thing and that’s business funding. Our laser focus is the reason why we do it better: with insight, precision, and zero distractions.
