Slow-paying clients
Stop financing customers on net-30/60/90 terms out of your own pocket.
Invoice Factoring
Turn unpaid invoices into same-week cash without taking on any debt.
AmountUp to 90% of invoice value
Typical termPer-invoice, no fixed debt
Funding speedAdvance within 24 hours
What it is
How invoice factoring works for you
Invoice factoring converts your outstanding B2B invoices into immediate cash. Instead of waiting 30, 60, or 90 days for customers to pay, you sell those invoices to Quartz and receive up to 90% of their value within a day. We collect from your customer when the invoice comes due, then send you the remainder minus a small fee.
Because you are selling an asset rather than borrowing, factoring adds no debt to your balance sheet, and approval hinges on your customers' creditworthiness rather than your own. As your sales grow, your available funding grows right alongside them.
Best for
When it's the right fit
Rapid growth
Fund the next round of work before the last one has even been paid.
Thin credit history
Qualify on your customers' credit, not just your own track record.
Payroll certainty
Keep cash predictable when big receivables sit outstanding.
How it works
From application to funded
1
Send us your invoices
Submit the B2B invoices you would like to factor through your dashboard.
2
Get verified fast
We confirm the invoices and your customers' credit, usually same day.
3
Receive your advance
Up to 90% of the invoice value lands in your account within 24 hours.
4
We handle collection
When your customer pays, you get the reserve back, minus our factoring fee.
Rates & terms
The numbers, in plain sight
Every offer is quoted with the full cost up front — no hidden fees, no confusing fine print. Your exact rate and term depend on your business profile and our underwriting.
Eligibility
What you'll need to qualify
Most businesses that meet our three baseline criteria can qualify. Stronger profiles unlock larger amounts and better pricing.
Soft check to start
Seeing your options never affects your credit score — we only run a hard pull once you choose to move forward on a specific offer.
Why businesses choose it
The benefits
No new debt
Factoring is the sale of an asset, so nothing lands on your balance sheet as a liability.
Scales with sales
More invoices means more available funding — automatically.
Approved on client credit
Even newer businesses qualify when their customers are creditworthy.
Same-week cash
Turn 90-day terms into cash you can use within a day.
Popular with
Industries that rely on this
Good to know
Frequently asked questions
In most arrangements we collect directly, so yes — but our team manages it professionally and courteously on your brand's behalf.
No. You choose which invoices to factor and when. There is no requirement to commit your whole book.
Terms vary by agreement. We discuss recourse vs. non-recourse options up front so you know exactly where you stand.
A small percentage of the invoice value accrues for each period it stays outstanding — the faster your customer pays, the less it costs.
Related funding
Other products to consider
Business Line of Credit
Reusable, draw-when-you-need-it capital you only pay for when you use it.
Explore Line of CreditMerchant Cash Advance
A lump sum today, repaid as a small slice of your daily card sales.
Explore Merchant Cash AdvanceShort-Term Loans
A fast lump sum with a clear, fixed payback schedule for a defined need.
Explore Short-Term LoansReady to put this capital to work?
Start your application in minutes. Checking your options is free and never affects your credit score.