Accounts Receivable

Small Business Financing

Sell PO's or Receivable
Funding in 1 week - 1 month
$100,000 - $10,000,000
6 Months - 7 Year Terms
Credit Score of Business
A/R as Collateral

Get Started Today & Speak With An Advisor

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Annual Sales

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What Do You Need
To Qualify for
Receivable Financing?

Aging A/R
Report Required

Minimum of 100,000 outstanding B2B receivables aged up to 90 days to qualify.

$500,000 +
Annual Gross Sales

The minimum revenue to qualify for AR Financing is $500,000+ in annual gross sales.

No Minimum
FICO Score

Financing options for all credit profiles. There is no minimum FICO score required to apply.

FinTech
Speed

Easy 3 minute to get options in just minutes and funding in days!

Accounts Receivable financing is a great way to cover cash flow gaps by offering your unpaid invoices as collateral.

Businesses can leverage their outstanding invoices for access to funding through a Line of Credit or a Loan.

The process is a fast and effective approach for a company to obtain working capital.

The company can get up to 90% of the Invoice amount advanced to them.

Instead of waiting weeks or months for payments, you can unlock the value of your Receivables and access the capital you need today.

Not looking to use Receivables as collateral?

TRAM Funding also offers flexible Cash Flow based funding with fast approvals and no asset requirements.

What are the benefits

Simple, FinTech Speed

Sell Unpaid Invoices

Transfer of Risk

Frequently Asked Questions

What Does AR Stand For In AR Financing?

AR financing stands for Account Receivable Financing. It is a type of financing where a company will receive a loan based on a portion of their account receivables. Accounts receivable are assets equal to outstanding invoices billed to customers but have not yet been paid.

To learn more about AR Financing and the options that may be available for your business complete our 15-second online application today.

What is Accounts Receivables Financing?

Accounts receivable financing is when a company will sell or finance off their outstanding invoices for working capital. It can either be in the form of selling the asset to the lender or using the accounts receivable (invoices) as collateral for the loan.

Accounts Receivable Financing is a type of asset-based financing solution that allows business owners to free up unpaid receivables. TRAM Funding advances you cash collateralized by your account receivables, giving you an excellent way to put money back into your business. With A/R financing, you can get a fast advance of about 85% of the value of your receivables.

To learn more about Accounts Receivable Financing complete our 15-second online application today.

How Does Accounts Receivable Financing Work?

Accounts receivable financing uses your outstanding invoices as a form of collateral to help you obtain financing or an advance for your business. But unlike factoring, you do not sell your invoices to a third party. You will continue to remain responsible for collecting on your outstanding invoices while making payments towards your loan.

Ex – When a customer owes you money and has an outstanding invoice, this is known as an account receivable. Basically, money that is owed for goods or a service already delivered to your customer.

AR Financing works by leveraging your account receivables as collateral for a loan. In simpler terms, the money that your customers owe you can be used to help you qualify for a small business loan, line credit or cash advance.

TRAM Funding has a wide variety of accounts receivable financing options. To learn more, complete our 15-second online application to speak with a business financing advisor.

Who Qualifies for Receivables Financing?

Any business with a business-to-business model can qualify for A/R factoring, as long as they currently have outstanding receivables.

Here’s the deal…

These lenders don’t care as much about your revenue, profitability, or time in business.

Since your account receivables will act as the loan’s collateral, lenders just want to make sure the invoices make sense for them to finance. The rest of your business isn’t too important.

The maximum amount you can qualify for depends on the total amount and quality of your invoices, as well as on your creditworthiness.

It is important to note that some accounts receivable financing lenders take a look at your credit report, too.

To learn more about Accounts Receivable Financing complete our 15-second online application today.

Whats Does Account Receivables Finance Cost

As we’ve mentioned, invoice financing can be an expensive way to receive funding for your business. But it’s essentially the cost of having cash on hand now, instead of later.

Here’s a snapshot into what the cost structure would look like….

Let’s say you have a $100K invoice with 30-day terms.

A financing company might immediately advance you 85% of that amount—$85K—and hold $15K in reserve.

Your customer then pays that invoice 2 weeks later. After subtracting the 3% processing fee of $3K, the financing company keeps its factoring fee—1% per week, which in this example is 2% or $2K—and gives you the $10K left over.

To learn more about Accounts Receivable Financing complete our 15-second online application today.

Why is Account Receivable Factoring Worth the Cost?

You might be feeling like $5K is a steep price to pay—but that all depends on your business’s financials.

If you needed money to make payroll a week after sending out that invoice, then your accounts receivable financing fees don’t seem too bad after all.

If you have an invoice, that is NET 30, 60 or even 90 days – getting funds immediately could be well worth the cost.

Your business’s financial situation might seriously benefit from extra cash flow—so capital right away could definitely outweigh the negative of those fees.

To learn more about Accounts Receivable Financing complete our 15-second online application today.

10 Reasons Why
TRAM Funding Offers
Best Financing Options

		Bank	Direct Lenders
Paperwork	3 Months Bank Statements No Tax Returns Required	2 Years Tax Returns 2 Years Financials	3 Months Bank Statements 1 Year Tax Return 1 Year Financials
Application	One Page – One Minute DocuSign	Lengthy Paper Intensive	Multi – Page Application
Number of Lenders	75 +	1	1
Service Level	Business Advisor	Processor	Programmatic
Approval Process	Hours / Days	Weeks / Months	Days / Weeks
Speed to Funding	Hours / Days	Months	Days / Weeks
Collateral Requirements	Not Necessary	Always	Sometimes Required
Business Profitability	Not Necessary	Last 2 Years	Sometimes Required
Credit Score	No Minimum FICO	680 + FICO	600 + FICO
Credit Check	Soft Pull	Hard Pull	Hard Pull

Creating Opportunities

Seize the opportunity to grow your business and gain access to the capital you need.

Asset Based Lending

Cash Flow Funding

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Asset Based Lending

Cash Flow Funding

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Accounts Receivable

Simple
Application

No Minimum
FICO

Larger
Amounts

Express
Funding