Accounts receivable financing is a funding solution that allows businesses to get cash upfront for unpaid invoices, improving cash flow without taking on traditional debt.

Your business sells or pledges its unpaid invoices to a lender, such as Sunspire Strategy, in exchange for an immediate advance on the value. Once customers pay, the balance is settled.

Invoice factoring often involves selling invoices outright, while receivables financing uses unpaid invoices as collateral for a loan or advance. Both provide quick access to working capital.

Key benefits include improved cash flow, fast approval, funding that grows with your sales, and no need to take on new debt.

Most businesses that invoice other businesses (B2B) or government clients can qualify. Approval is based more on your customers’ creditworthiness than your own credit score.

With Sunspire Strategy, many businesses can receive funding in just a few days — much faster than traditional bank loans.

At Sunspire Strategy, we specialize in helping businesses unlock cash tied up in receivables. We provide personalized financing options to ensure you have the working capital to cover payroll, invest in growth, and stabilize operations.