Create Beautiful Invoices — Then Turn Them Into Instant Cash
Use the free CapitalFlow invoice generator below to send professional invoices in minutes. Then, if you need working capital, convert those approved invoices into same-day cash with our invoice factoring service.
Free Professional Invoice Generator
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Turn Your Invoices Into Working Capital in 24 Hours
You created the invoice. Don’t wait 30–60 days to get paid. CapitalFlow lets you sell eligible invoices for immediate cash, so you can make payroll, buy inventory, and keep your growth on track.
- Advance up to 90% of your approved invoice value
- Funds typically available in as little as 24 hours
- You keep servicing the customer relationship
- Transparent pricing with no long-term lock-in
Perfect for: B2B invoices, recurring contracts, SaaS, logistics, staffing, and services with net payment terms.
How CapitalFlow factoring works
1. Upload your invoice
Send us the invoice you just generated (or any existing B2B invoice over your minimum size).
2. Get funded fast
Once approved, receive up to 90% of the invoice value as an advance, often within 24 hours.
3. We settle when they pay
When your customer pays the invoice, we send you the remaining balance minus our transparent fee.
No obligation. Checking your options won’t impact your credit score.
Invoice factoring FAQs
Straight answers to the most common questions founders and finance teams ask about CapitalFlow’s invoice factoring.
What is invoice factoring?
Invoice factoring lets you sell your accounts receivable (unpaid invoices) to a financing partner at a small discount. Instead of waiting 30–60+ days for customers to pay, you receive an immediate cash advance (typically up to 90% of the invoice value). When your customer pays, the remaining balance—minus our fee—is remitted to you.
Will my customers know I’m using factoring?
It depends on the structure. In many cases, the payment address on your invoice will reference a CapitalFlow-managed account so payments are routed correctly. We position this as a standard payments process update and maintain a professional, low-friction experience for your customers.
What types of invoices are eligible?
We typically work with B2B invoices where your customer is a creditworthy business or institution, and the work or delivery is complete. Ideal verticals include SaaS, logistics, staffing, professional services, and contract-based businesses with clear documentation and recurring payment terms.
How much does it cost?
Fees depend on your industry, customer credit quality, invoice volume, and how long your customers take to pay. Most clients see an effective cost that is competitive with (or better than) alternative funding options, especially when they value speed and flexibility. You’ll receive transparent pricing before you decide to move forward.
Does this affect my ability to raise other financing?
Invoice factoring is often used alongside venture debt, revenue-based financing, and equity funding. Because it is secured by your receivables, it can be more flexible than traditional bank lines and can help you extend runway rather than dilute ownership.