Invoice Factoring
Up to 90% advanced same daySell your outstanding invoices to Xfund and get the cash now instead of weeks from now. You keep serving customers; we wait to get paid.
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Stop waiting 30, 60 or 90 days to get paid. Submit your invoices to Xfund and we advance up to 90% the same day — so you can make payroll, fuel up and take the next job without missing a beat.
Illustration only. Advances up to 90% and fees from as low as 1% depend on your industry, volume and customer credit. Ask us for a custom, no-obligation quote.
Fuelling growth for businesses that can't wait to get paid
Factoring is our craft, but it comes wrapped in the tools and support that keep your business running smoothly.
Sell your outstanding invoices to Xfund and get the cash now instead of weeks from now. You keep serving customers; we wait to get paid.
Learn more →Approved invoices submitted before cut-off are funded the same business day, straight to your bank account by direct deposit.
Learn more →Check the creditworthiness of new customers before you take the job. Avoid non-payers and extend terms with confidence.
Learn more →Upload invoices, watch funding land in real time and see exactly where every dollar is — from your phone or your desk.
Learn more →No lengthy underwriting, no mountains of paperwork. Most clients are set up and funding within a day or two.
Tell us about your business and who you invoice. Approvals are based on your customers' credit, not just yours — so newer companies and bad-credit owners are welcome.
Deliver the load or complete the work, then upload your invoices to our secure online portal. It takes minutes and there's nothing to mail.
We advance up to 90% the same day. When your customer pays us, we release the reserve, minus our small fee. That's it.
We built Xfund because too many hard-working businesses were being buried by slow-paying customers and even slower banks. We fix that — fast funding, real people, and pricing you can actually understand.
Big factors hide their fees in the fine print and treat you like an account number. Banks take weeks and still say no. Xfund gives you fast digital funding backed by people who pick up the phone.
We handle collections professionally and courteously, so your customer relationships stay strong. Non-recourse options are available to protect you if a customer can't pay.
Every sector invoices differently. We've built factoring programs that fit the way you actually get paid.
Freight factoring for carriers and owner-operators. Get paid the day you deliver, with fuel-card and fuel-advance perks built in.
Explore →Bridge the gap between paying your workers weekly and clients paying you monthly. Turn placements into instant cash.
Explore →Free up the capital trapped in your receivables so you can buy materials, cover labour and fill bigger purchase orders.
Explore →Real relationships, faster cash flow. Here's what working with Xfund feels like.