Turn eligible unpaid business invoices into earlier access to cash. The strength and payment behavior of your customers can matter alongside your own business profile.
Business-to-business companies with outstanding invoices and a timing gap between delivering work and receiving customer payment.
Synergy Capital helps business owners explore financing options and understand the structure presented. Availability, amounts, pricing, and terms depend on underwriting and the funder’s approval and are not a guarantee of funding.
Invoice financing uses receivables to support an advance or credit facility. In factoring, the business sells invoices to a factor, which may collect directly from the customer. An advance rate, reserve, and final settlement determine the cash flow.
Repayment or settlement generally follows collection of the financed invoice. Recourse terms determine whether you must repurchase or replace an invoice if the customer does not pay. Notification and control of customer payments differ by agreement.
Fees may depend on how long an invoice remains outstanding and can include discount, service, wire, or minimum-volume charges. Calculate cost using realistic customer payment dates rather than invoice terms alone.
A sound use of proceeds connects the financing to a specific operating need and a credible repayment plan.
Access cash for payroll or materials while awaiting payment on eligible invoices.
Finance the next phase of work without waiting for every prior customer to pay.
Align incoming cash with regular operating expenses when customer terms are extended.
These questions help you compare actual obligations, not just headline amounts. Request the final documents and take time to review them before signing.
Read the related guide →No single product is best for every business. Compare the intended use, cost, repayment, collateral, and time horizon before choosing.
Illustrative information only. Availability, amounts, pricing, fees, and terms vary and are set after underwriting. Nothing on this page is an offer, commitment, or guarantee of approval or funding. Financing, if arranged, is provided by Synergy Capital or its funding partners. See Terms & Disclosures.
Tell us what you want to accomplish. We will help you evaluate the available structure, cost, and repayment before you decide.
Applying or calling does not guarantee approval or funding. By submitting an application or contacting us, you consent to be contacted by Synergy Capital and its funding partners by phone, text, email, or other means at the numbers and addresses you provide, including by autodialed or prerecorded messages where permitted by law. Message and data rates may apply; consent is not a condition of purchase. Applying involves a soft credit inquiry, which does not affect your credit score. A funding partner may perform additional verification, which can include a hard inquiry, before final approval. See Terms & Disclosures and Privacy Policy.
