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Finding the right invoice factoring company can make a big difference for B2B businesses that need fast, reliable access to working capital. Whether you’re dealing with long payment terms, seasonal cash flow dips, or trying to fund a promising business idea without taking on debt, turning unpaid invoices into immediate funds can help keep operations moving without relying on traditional loans.
In 2025, there are several strong providers offering factoring solutions that combine speed, simplicity, and flexibility. From human-led service to tech-driven platforms, this list highlights six of the best options for businesses looking to stay cash-positive. It’s a great place to start if you’re exploring how factoring can support your growth without giving up equity or control.
1. Porter Capital
If you’re running a B2B company and need quick access to cash without jumping through traditional banking hoops, Porter Capital stands out as a reliable partner. With over 30 years of experience, they offer invoice factoring and receivables financing up to $25 million, making them a strong option for businesses of all sizes, especially those with big ambitions or complex funding needs. They move fast too, often funding within 24 hours, which helps keep deals on track and operations flowing smoothly.
Porter Capital doesn’t just offer funding–they give you actual people to work with. That means no frustrating automated systems or one-size-fits-all chatbots. You get a dedicated account manager who understands your business and can help you navigate challenges quickly. Rates can be as low as 0.40%, and they’ve built their service model around speed, transparency, and flexibility.
One standout feature is their referral program. Investment bankers and even traditional banks can partner with Porter Capital to solve short-term funding gaps for clients, while still maintaining the primary relationship. Referrers can earn up to 15% of the fees collected for the life of the transaction. This makes Porter Capital a smart pick for businesses looking to grow and for professionals looking to help clients while earning passive revenue.
2. eCapital
eCapital offers factoring services designed to keep businesses moving, especially those working with long client payment terms. Their process is fairly straightforward, and they’ve built a reputation for providing funding quickly after invoice submission. Many B2B companies use them to cover short-term gaps in working capital, and their service is often seen as responsive and easy to access.
They offer factoring to multiple industries, and while the structure of each deal might vary, the goal remains the same–free up cash that would otherwise be stuck waiting in accounts receivable. It’s a good option if your business needs a partner that understands fast-moving sectors and wants flexible terms. Their team works to keep things smooth, which can be valuable when timing is tight or your clients need extended payment windows. eCapital is a solid choice if you’re looking for a reliable way to improve cash flow without adding long-term debt.
3. BusinessLoans.com
If you’re looking for a platform that lets you compare different factoring providers, BusinessLoans.com is a helpful place to begin. Instead of locking you into one company, they connect you with factoring options that match your specific needs. That can save a lot of time compared to researching and contacting providers on your own.
They cater to small and medium-sized businesses that need simple access to cash through unpaid invoices. Their process is user-friendly, and the site offers helpful content for understanding how factoring works. It’s especially handy if you’re new to this kind of financing.
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4. National Funding
National Funding offers factoring as part of a larger suite of business financing services, which makes it a convenient choice if you think you’ll need multiple funding tools over time. Their factoring service is known for being simple and easy to apply for, and many business owners use it to smooth out cash flow when client payments are delayed.
They focus on small businesses and offer support through real people, not just digital dashboards. Their website explains factoring in a clear way, which helps new users understand what to expect and how fast they can get funded.
This provider is especially helpful for companies navigating unpredictable payment schedules or preparing for busy periods. If you’re new to factoring and want a low-pressure experience with options to expand into other types of funding later on, National Funding is a strong contender.
5. OnDeck
OnDeck is known for small business loans, but they also provide invoice factoring for companies needing faster access to funds. Their platform is tech-forward, which appeals to business owners who prefer managing financing online. They offer a relatively quick application process and typically provide funding soon after invoices are verified.
It’s a good match for businesses that want streamlined service with fewer in-person interactions. OnDeck also has a strong reputation in the small business finance space, and their factoring product is a helpful extension of their broader loan offerings. For those who value quick decisions, clean user interfaces, and responsive online tools, OnDeck can be a time-saving option when cash flow gaps need closing fast.
6. Kapitus
Kapitus offers invoice factoring that helps businesses unlock the cash tied up in outstanding invoices. They work with a range of industries and tend to be especially helpful for companies that have growing receivables but limited cash on hand to meet payroll or invest in operations.
They also provide other financing tools, which can be useful as your business scales. Many businesses use Kapitus for the flexibility it offers and the straightforward way it structures its factoring terms. Their approach works well for owners who need working capital fast but aren’t ready for a traditional loan. The added bonus of having access to other funding types means you can keep working with the same team as your needs evolve.
Final Thoughts on Choosing a Factoring Partner
Invoice factoring can be a smart move for B2B businesses that want to keep things moving while waiting on customer payments. With options like Porter Capital and others on this list, there are plenty of ways to access the capital you need quickly, simply, and without giving up control.