At our core, we turn your unpaid invoices into cash the same day. But funding is only half the job — we wrap it in free credit checks, a 24/7 portal and real human support, so getting paid fast never means giving up control.
Advance rates up to 90% and fees from as low as 1% depend on your industry, volume and customer credit. Ask us for a no-obligation quote.
Factoring is simple: instead of waiting 30, 60 or 90 days for your customer to pay, you sell that unpaid invoice to Xfund and get most of the cash today. It isn't a loan — you're advancing money you've already earned.
You keep serving customers exactly as you do now. We simply turn the paperwork you're already owed into working capital you can use today.
Submit before the daily cut-off and your advance lands the same business day by direct deposit — no cheques in the mail, no waiting on wire windows.
Cash-flow gaps don't wait, so neither do we. Once you're set up, approved invoices submitted before our cut-off are funded the same business day — money in your account when you need it for payroll, fuel or the next job.
The best way to avoid a bad debt is not to take it on. As an Xfund client you can check the creditworthiness of a new customer before you deliver the load or ship the order — at no extra cost.
We look at who owes you the money every day, so we can flag a shaky payer before it becomes your problem — and it's included with your account.
Whether you're at a truck stop or at your desk, the Xfund portal shows exactly where every invoice and dollar is — updated in real time, around the clock.
Everything you need to run your funding lives in one place. Upload an invoice from your phone the minute you finish a job, watch it move through funding, and pull the reports you need — any time, day or night.
Both put cash in your hands the same day. The difference is who carries the risk if a customer ultimately can't pay. We'll help you pick the structure that fits your business.
You get our lowest factoring rates in exchange for standing behind your invoices. If a customer doesn't pay within the agreed window, you buy that invoice back or swap it for another. It's the most popular choice for businesses that know and trust their customers.
For a slightly higher rate, Xfund absorbs the credit loss if an approved customer becomes insolvent and can't pay. It's bad-debt protection baked right into your funding — peace of mind when you're taking on larger or newer accounts.
Note: non-recourse protects you specifically if a covered customer becomes insolvent. We'll walk you through exactly what's covered before you sign anything.
Fast funding is table stakes. What keeps clients with us is how straightforward, flexible and human the whole thing feels.
A single factoring fee, quoted up front. No setup charges, no hidden deductions, no surprises on your statement.
Factor as much or as little as you like. No long-term contracts and no monthly minimums to hit.
Approved invoices submitted before cut-off fund the same business day, straight to your bank.
A dedicated account manager who knows your name and picks up the phone when you call.
Every Xfund account comes with the same straightforward package. Here's exactly what you get.
| Feature | What you get |
|---|---|
| Advance rate | Up to 90% of each invoice |
| Funding speed | Same business day on approved invoices |
| Factoring fee | From 1%, quoted up front |
| Customer credit checks | Included at no extra cost |
| Setup fee | $0 |
| Monthly minimum | None |
| Contract | Flexible — no long-term lock-in |
