Many small businesses find it necessary to engage in invoice-factoring to improve their cash flow. If your business is in this position, you will want to know which factoring companies are the best to work with. Ideally, you will want a company that will give you at least 90% of the loan up front. The following companies are the best in the business.


As long as your business is already well established, you may be able to get invoice-factoring from The Southern Bank Company, through its altLINE. Having been in business more than 80 years, they’ve already pad out in excess of $600 million. What this means for your business is that you may be able to get as much as $5 million. This is one factoring program that does not require you to have a high personal credit score. However, it should be noted that even if you are approved, it can take as long as seven days to get your money.


For a company that will offer you both a line of business credit and an invoice factoring loan, BlueVine is among the top choices. Unlike altLINE, BlueVine may get you your money within one day of approval. On the other hand, your personal credit score is taken into consideration when you apply. You must have a personal credit score of 530 or above to qualify for BlueVine. This financing can easily be applied for online. 

RTS Financial

If you happen to run a trucking business, the best company to choose is RTS Financial. If you qualify you can get as much as 97% of the value of your submitted invoices. But to qualify you must speak with a company representative, who will walk you through the application. Unlike other invoice-factoring companies, this one bases your maximum loan amount on your business’s individual circumstances. The company also offers a fuel card program that gives you a credit line to be used for gassing up your business vehicles.

For more advice on the top invoice-factoring companies please take the time to contact Triport.