• Approval in under 3 business days less than $250,000.
  • Approval in less than 5 business days for more than $250,000.

How Does Invoice Factoring Work:

  • Let's assume that the client sells toothpaste to retail stores and is paid after 45 days.
  • 1st Access Capital advances up to 85% to 90% of the value of the invoices after 45 days has passed.
  • 1st Access Capital then pays the client the other 10% to 15% back, minus fees that accrue weekly.


  • Up to $5 Million factoring credit line. (We can fund as high as $7 Million for Healthcare Businesses). First Lien Position Only.
  • Up to $600,000 when we are behind a bank loan or SBA loan. (Very unique among factors).
  • (Buy-Outs): If client already has an existing Merchant Cash Advance lien and is seeking to replace with our Invoice Factoring Program, the invoice factoring proceeds must cover the full buy-out price of the MCA. (Buy-outs typically take longer than the normal 3 business days to approve).
  • Invoices managed via an on-line software platform - the business owner has full transparency.


  • Must be business to business, with invoices from 15 to 90 days payable.
  • 85% to 90% advance rate / 0.30% to 1.1% per week / 15.6% to 57.2% APR.

Eligibility Criteria:

  • Minimums: 530 FICO, $40,000 monthly revenue, debtor = greater than $10,000 annual revenue.
  • States Available: All 50 States.
  • We do not finance "purchase orders, where delivery of goods / services is not yet complete.


  • 3 months latest bank statements (all pages).
  • Fill out our quick & easy application.
  • Latest 3 months Profit & Loss (P&L).
  • Proof of ownership.
  • Invoices to be factored.
  • Major contracts.
  • Accounts Receivable aging report & balance sheet.