On Top Funding is a premier national lender providing financing to small and medium sized businesses nationwide.
Accounts receivable financing, or factoring, is the purchase of accounts receivable invoices at a discount.
If you sell your products or services to businesses that pay in 30, 60, 90 days or more, On Top Funding has a liquidity solution for you. We can finance companies that are start-ups, losing money, or in bankruptcy because accounts receivable financing is based on your customer's credit, not yours. This is not a ”debt.” You are selling an asset. But it is more than just an asset sale; it is like outsourcing your accounts receivable department. Factors provide valuable services. They check your customers' credit for you and notify you of bad risks and they provide detailed monthly statements. Qualifying accounts even get free credit insurance.