Every industry gets paid differently. We know how.

The cash gap: you pay workers every week and payroll taxes right behind them. Clients pay in 30–60 days. Every new contract widens the gap before it pays off.

What funders check: your clients' credit, approved timesheets, payroll taxes filed and paid, workers' comp in force, and how much of your revenue sits with one client.

How we match you: plain factoring and full-service payroll funding (payroll, tax filing and billing handled for you) price very differently. We put both on the same page so you compare total cost, not just the rate.

Watch for

• Back payroll taxes. An IRS tax lien can come ahead of the funder, so it is the most common reason staffing deals stall. Better to tell us upfront.
• Client concentration. If one client is most of your billing, many funders cap how much they'll advance on it.
• Vendor-portal clients (VMS/MSP). Payment flows through a third party, so make sure your funder is set up for it.
• Switching factors. Your exit fee and notice period often matter more than the new rate.

Funders often ask for: AR aging, client list with payment terms, your last few quarterly payroll tax filings (Form 941), a sample invoice and timesheet, workers' comp certificate.

The cash gap: caregivers are paid weekly. Medicaid managed-care plans, Medicare, the VA and insurers can take 30–120 days, longer when a claim is denied and resubmitted.

What funders check: your payer mix, aging by payer, denial rate, licensing and Medicare/Medicaid enrollment, and the reports your billing system produces.

How we match you: home health (Medicare), Medicaid waiver home care, private duty and medical staffing each fit different funders. We start with your payer mix, because that decides who will even look.

Watch for

• Medicare and Medicaid can't be paid to a funder directly. Federal rules block it. Healthcare funders work around it with a bank account in your name that sweeps to them. Only funders set up for healthcare offer it.
• Advances are based on what you'll actually collect, after contractual adjustments, not your billed charges.
• Private pay from families usually can't be factored. Long-term care insurance sometimes can.
• Audits and recoupments. Funders ask about open audits, and so should you before signing.

Funders often ask for: AR aging by payer, payer contracts, recent remittance reports, state license and Medicare/Medicaid enrollment, a billing-system summary. We only need payer-level totals, never patient details.

Full guide for home care agencies →

The cash gap: fuel, drivers and repairs are due now. Brokers and shippers pay in 30–45 days.

What funders check: your brokers' credit and payment history, signed rate confirmations and bills of lading, and your authority and insurance.

How we match you: owner-operators and growing fleets fit different funders. We weigh the rate together with fuel discounts, same-day funding and whether you must factor every load.

Watch for

• Know what "non-recourse" covers. It usually protects you if a broker goes out of business, not if a load is disputed or short-paid.
• All-loads requirements. Some funders want every load, even from fast-paying customers.
• Switching. Your current factor must send a release letter to your brokers. Plan the timing.

Funders often ask for: MC/DOT numbers, insurance certificate, recent rate confirmations, signed bills of lading or proof of delivery.

The cash gap: materials and crews are paid upfront. Pay applications get approved late, and retainage is held until the job closes out.

What funders check: approved pay apps, signed change orders, lien waivers, who you bill (owner, GC or agency) and the payment terms in your contracts.

How we match you: fewer funders do construction, so pricing varies the most here. Comparing pays off.

Watch for

• Retainage is rarely funded. Plan cash without it.
• Pay-when-paid clauses and backcharges make funders cautious. Clean paperwork helps.
• Service and T&M invoices for completed work are much easier to fund than progress billing.

Funders often ask for: contracts, schedule of values, approved pay apps, change orders, lien waivers, AR aging.

The cash gap: you buy materials and run production long before the customer pays for the finished order.

What funders check: proof the goods shipped and were accepted, your customers' credit, and any liens on inventory or equipment.

How we match you: at larger, steady volume a bank-style credit line on your receivables can beat factoring. If that's your best move, we'll say so.

Watch for

• Returns and disputes reduce what a funder will advance.
• An existing lender's lien on receivables has to be sorted out first.

Funders often ask for: AR aging, customer list with terms, proof of shipment, any current loan agreements.

The cash gap: you pay suppliers to restock while retailers take 30–60 days or more to pay.

What funders check: retailer credit, your history of chargebacks and deductions, and proof of delivery.

How we match you: some funders pair factoring with purchase-order financing for big orders you can't front yourself.

Watch for

• Chargebacks and deductions from big retailers lower your advance rate.
• Monthly minimums hurt seasonal businesses. Ask before signing.

Funders often ask for: AR aging, retailer list and terms, recent deduction reports, proof of delivery.

The cash gap: agencies are reliable but slow, and startup costs on a new contract come first.

What funders check: the contract, your registration, and invoices approved in the agency's payment system.

How we match you: a strong payer usually means a lower rate. We look for funders that handle federal paperwork routinely.

Watch for

• Federal invoices need a formal assignment filed with the contracting officer and payment office before the funder can be paid. It takes time. Start early.
• Subcontractors bill the prime, not the government, so they're funded like a regular business invoice.

Funders often ask for: the contract and modifications, SAM registration, approved invoices.

The cash gap: security, janitorial, IT and consulting firms carry payroll while clients pay on net-30 or longer.

What funders check: signed service agreements, how long clients have been with you, and their credit.

How we match you: recurring contracts get better terms. For a one-off need, spot factoring (single invoices, no contract) may be the right fit.

Watch for

• Only completed work can be funded. Invoices billed in advance usually don't qualify.
• Spot factoring costs more per invoice. Worth it only if you truly need it once in a while.

Funders often ask for: AR aging, service agreements, a sample invoice.