AR Financing (Accounts Receivable)

Need cash while you wait for customers to pay? Accounts receivable financing may help your business use unpaid invoices to get funds.

US Trust Business Loans and Alternative Capital Funding offers funding options for firms with unpaid bills. These funds may help cover daily costs, pay staff, and support growth.

How Does Accounts Receivable Financing Work?

Your business sends an invoice to a customer. The customer pays at a later date. With this type of funding, you may get part of that money before the invoice is paid.

A funder reviews your invoices and business details. If approved, the funder may give you an advance based on the value of your unpaid bills.

The amount you can get and the fees you pay depend on the terms of your plan.

Benefits of Accounts Receivable Funding

This type of funding may help your business:

• Improve cash flow: Get funds from eligible unpaid invoices.

• Pay daily costs: Help cover staff pay, supplies, and bills.

• Support growth: Use funds for new work and business needs.

• Manage payment gaps: Cover costs while you wait for customers to pay.

• Plan with care: Review funding options that fit your business.

Benefits vary by plan and approval.

Which Industries May Qualify?

Accounts receivable funding may be an option for firms in many fields, such as:

• Construction

• Trucking and transport

• Manufacturing

• Other firms with eligible unpaid invoices

Rules vary by funder and business type. Contact our team to ask if your firm may qualify.

Funding Amounts and Rates

US Trust lists the following starting terms for this program:

• Funding range: $125,000 to $10 million

• Rates: 0.50% to 3.00% per month, based on credit and cash flow

These figures are subject to review and approval. Fees, rates, and payment terms may vary. Confirm the full cost before you accept an offer.

Is Accounts Receivable Financing Right for Your Business?

This option may suit firms that have unpaid invoices but need funds for current costs.

Before you apply, review your invoices, business income, and current bills. Think about how you will repay the advance and whether the fees fit your budget.

Compare offers and read all terms before you make a choice.

Explore Accounts Receivable Financing with US Trust

Need funds to support your business? US Trust Business Loans and Alternative Capital Funding can help you explore accounts receivable financing options.

Tell us about your invoices, funding needs, and business goals. Our team can explain the next steps and help you review the options that may fit your needs.

Ready to learn more? Apply online or contact US Trust today. Approval and terms depend on your business and the funding program.