Invoice Factoring

Invoice factoring is when you sell your unpaid (aging) invoices to a factoring company in exchange for immediate cash. Alliance One verifies the invoice, advances funds (often within 24 hours), then collects payment from your customer. After the customer pays, you receive any remaining reserve amount minus the factoring fee..

In many cases, you can get funded within 24 hours of submitting invoices (after verification), and Alliance One often positions it as “paid tomorrow.”

Alliance One emphasizes transparent pricing and specifically calls out that many competitors add extra costs like APR charges or “junk fees.” They also note factoring fees often fall into a percentage range based on terms/time-to-pay, and that pricing can be customized by industry and monthly factoring volume.

Invoice factoring can help most B2B businesses that sell products or services and carry unpaid receivables, especially when customers pay in 30–90 day cycles. Alliance One notes it can benefit newer small businesses as well as mid-sized and larger companies dealing with slow-paying customers and growth-related cash flow pressure.