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Benefits of A/R funding

Avoid stress with debt-free funding

  • Quick debt-free funding (usually within 24-72 hours)

  • Allows your business to receive a large portion of its receivables in a timely and predictable manner

  • Improves your balance sheet

  • Provides continuous and unlimited funding as your company grows

  • Improves cash flow to meet payroll, pay taxes or fund business growth

  • Unlike bank loans, A/R funding is easy, fast, and hassle-free

  • Funding with no requirements for profitability, credit scores or time-business (start-ups are welcome)

  • Constant cash flow without having to apply for separate loans

  • Reduces your internal costs, such as collections, credit verifications, and accounts receivable administration, as these functions   are assumed by the lender/factor at no cost to you.

Are you eligible for A/R funding?

Your company can receive A/R funding if it has creditworthy customers and business-to-business or business-to-government invoices for goods delivered or services rendered.


No need  to wait 30, 60 days or longer for invoice payments.  A/R funding is cash now with no waiting.

You don't pay interest on the money you receive since it's through the sale of your invoices.

Improve cash flow with debt-free A/R funding

AR Funding, also known as Invoice Factoring, A/R Factoring and invoice funding, is the sale of your invoices at a discount for immediate debt-free cash.

Funding available for international companies

Normally, your company will receive 80% to 90% of the face value of its invoices as an immediate cash advance. The balance is paid to you, minus a small service fee, after your customers pay their invoices.                                      

Increase cash flow without incurring debt or diluting your equity. Call:


Debt-free financing

It's suitable for small, medium-sized companies - and large companies too, especially for companies that have to pay expenses faster than they can collect their accounts receivable, which is typical for most companies.

Funding can be provided for companies within the U.S. with monthly invoices ranging from $50,000 to $20,000,000 or more.

HLC Financial Services, Inc. arranges commercial A/R funding in the United States and for companies based in Canada and Western Europe. Other geographical areas are considered on a case-by-case basis.


International A/R funding is done on a non-recourse basis, starting at $500,000 in monthly invoices. United States customers have options, i.e., recourse or non-recourse A/R funding.


All commercial A/R funding is arranged through our highly regarded and well-capitalized lenders.


Our business is helping yours. Call (708) 225-1483 today or visit our contact page for more information.

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Funding for your business increases automatically as your business grows or as invoices are sold.  No need for periodic payments or interim payoffs.