The Process
How Invoice Factoring Works
Simple, transparent, and built for businesses that can't afford to wait on payments.
Submit Your Invoices
Upload your outstanding invoices through our secure online portal. There's no lengthy paperwork or complex underwriting — we just need your invoices and basic business information to get started.
We evaluate your customers' creditworthiness, not yours. That means even businesses with limited credit history can qualify.
We Review & Approve
Our team reviews your submission and issues a factoring decision within 24 hours. We verify your invoices and confirm your customers' ability to pay — then we're ready to move.
Most clients receive approval the same day they apply. Once approved, your factoring line is ready to use whenever you need it.
Receive Your Advance
370CAPITAL purchases your invoice and advances up to 95% of its face value directly to your bank account — often the same day approval is granted.
You get immediate working capital without taking on debt. No monthly payments, no interest charges.
Your Customer Pays
Your customer pays the invoice according to their normal payment terms — net 30, 60, or 90 days. They pay 370CAPITAL directly, just as they would pay you.
We handle collections professionally, protecting your customer relationships throughout the process.
Receive the Remainder
Once your customer pays in full, we remit the remaining balance — the reserve amount — to you, minus our factoring fee.
Our fees are straightforward and disclosed upfront. No surprises, no hidden charges.
Submit Invoices
Secure portal
Get Approved
Within 24 hours
Receive Advance
Up to 95%
Customer Pays
Net 30/60/90
Get Remainder
Minus our fee
Common Questions