NEWNow offering Term Loans and Lines of Credit alongside invoice factoring. See which fits your business →

Business owner reviewing invoice factoring, term loan and line of credit options with a Porter Capital funding specialist

Business financing from $50K to $30MM

Invoice factoring, term loans and lines of credit — built around how your business runs.

Whether you need cash from unpaid invoices, a lump sum to grow, or capital on standby, our team structures the right facility for you — with approval in as little as 24 hours.

What do you need funding for?

Cash tied up in unpaid invoicesInvoice Factoring

A lump sum for a big investmentTerm Loan · $50K–$500K

Flexible capital, drawn as neededLine of Credit · $50K–$250K

Not sure? Talk to a funding specialist

$30MM

Facilities up to

24 hrs

Factoring funded in as little as

$10B+

Funded to businesses

35+ yrs

Serving B2B businesses

Our Financing Solutions

Three ways to fund your business

Every facility is structured by a dedicated account executive — not an algorithm.

Invoice Factoring

Turn outstanding invoices into working capital instead of waiting 30–90 days for customers to pay.

  • Rates as low as 0.4%*
  • Funding in as little as 24 hours
  • Recourse and non-recourse options

Best for: B2B companies with slow-paying customers

Explore Invoice Factoring →

Term Loans

A lump sum of capital with fixed principal payments — for expansion, equipment, acquisitions or refinancing.

  • $50K – $500K
  • 24-month, fully amortizing
  • Approval in as little as 24 hours

Best for: planned, one-time growth investments

Explore Term Loans →

Lines of Credit

Revolving access to capital you draw when you need it and repay as cash comes in. Pay only on what you use.

  • $50K – $250K
  • 12-month line — draw, repay, draw again
  • Approval in as little as 24 hours

Best for: seasonal swings and ongoing needs

Explore Lines of Credit →

Also available: Asset-Based Lending · A/R Financing · Non-Recourse Factoring

Compare Options

Which option fits?

A quick side-by-side. Your account executive will help you decide.

Invoice Factoring Term Loan Line of Credit
How it worksSell invoices for an advanceOne lump sum, fixed principal paymentsRevolving limit you draw on
Based onYour customers’ creditBusiness financial strengthBusiness financial strength
Amount$50K – $30MM$50K – $500K$50K – $250K
RepaymentYour customer pays the invoice24 months, fully amortizingAs you use it — 12-month line
SpeedFunded in as little as 24 hoursApproval in as little as 24 hoursApproval in as little as 24 hours
Learn about factoring →Learn about term loans →Learn about lines of credit →

How It Works

One simple process, whichever you choose

1

Tell us what you need

A short application and a call with a funding specialist.

2

Get a tailored offer

We recommend the right fit for your business — invoice factoring, a term loan or a line of credit.

3

Get funded

Funds go to your account and your account executive stays with you.

Reviews Speak Volumes

★★★★★ TrustScore 4.7 out of 5 on Trustpilot · 29 reviews Read our reviews

Industries We Serve

A Factoring Company for Your Industry

Same industries, now with more ways to fund them.

Distribution

Service Companies

Manufacturing

Staffing

Transportation

Government Contractors

Oil & Gas

Technology

View all industries →

Featured Case Studies

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Latest Industry News & Articles

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FAQ

Business financing questions, answered

What is invoice factoring?

Invoice factoring lets a B2B company sell its unpaid invoices to Porter Capital in exchange for an advance, so you have working capital now instead of waiting 30–90 days for customers to pay. Approval is based mainly on your customers’ credit, facilities range from $50K to $30MM, and funding can arrive in as little as 24 hours. Learn about invoice factoring.

Invoice factoring advances cash against invoices you have already issued, and your customer pays the invoice. A term loan is a lump sum of $50K–$500K repaid with fixed principal payments over 24 months, best for planned, one-time investments. A line of credit is a revolving $50K–$250K limit with a 12-month term that you draw on, repay and draw again, paying only on what you use.

Invoice factoring can be funded in as little as 24 hours. Term loans and lines of credit can be approved in as little as 24 hours. A real person reviews every application, and a dedicated account executive stays with you after funding.

Invoice factoring facilities range from $50K up to $30MM. Business term loans range from $50K to $500K, and lines of credit range from $50K to $250K. Your account executive will help size the facility to your business.

Program minimums are a 650+ credit score, 9+ months in business and $150K+ in annual revenue, along with 6 months of bank statements. Loans greater than $300,000 also require 2 years of tax returns. All financing is for business purposes and subject to underwriting approval.

We fund B2B companies across distribution, service companies, manufacturing, staffing, transportation, government contracting, oil and gas, and technology. See all industries.

Porter Capital is a direct lender and factoring company founded in 1991 in Birmingham, Alabama. For more than 35 years we have provided invoice factoring, funding more than $10 billion, and we now also offer business term loans and lines of credit to companies across the United States.

Not sure which option is right?

Tell us about your business and we’ll recommend the best fit — no obligation.

*Rates shown apply to invoice factoring. Term loan and line of credit pricing varies by business and is subject to approval.