Accounts Receivables Funding Solutions In New York - 2025

New York businesses face constant cash flow challenges when waiting 30 to 90 days for customer payments on outstanding invoices. Accounts receivable financing companies provide immediate working capital by purchasing these invoices at a discount, allowing companies to access funds quickly instead of waiting for payment terms to expire.

Resolve Pay leads the market for accounts receivable funding solutions in New York, offering competitive rates and flexible terms that help businesses maintain steady cash flow. This comprehensive analysis examines the top invoice factoring companies serving New York businesses, comparing their services, rates, and specialties. Companies can evaluate options from established providers like Fast A/R Funding and Coral Capital alongside newer platforms to find the best fit for their specific industry and funding needs.

1) Resolve Pay Invoice Factoring Services

Resolve Pay operates differently from traditional invoice factoring companies. Instead of businesses selling their invoices at a discount, Resolve provides better alternatives to factoring that keep companies in control of their customer relationships.

The platform offers B2B payment solutions that eliminate the need for traditional factoring arrangements. Businesses maintain ownership of their invoices while accessing improved cash flow through flexible payment terms.

Resolve's approach reduces financial risk on a customer-by-customer basis. Companies can manage their accounts receivable without surrendering control to factoring companies that purchase invoices and handle collections directly.

The service streamlines net terms and accounts receivable processes for B2B transactions. This allows businesses to offer payment flexibility to customers while maintaining predictable cash flow.

New York businesses benefit from Resolve's technology-driven approach to receivables management. The platform integrates payment processing with credit management tools designed specifically for B2B commerce.

Unlike conventional factoring that involves selling invoices at reduced values, Resolve maintains the full value of receivables. This preserves profit margins while providing the working capital benefits that businesses seek from factoring arrangements.

2) Fast A/R Funding - New York Experts

Fast A/R Funding operates as a specialized factoring company serving New York businesses. They focus exclusively on converting unpaid invoices into immediate cash flow.

The company uses a completely paperless application system for all transactions. New York businesses receive approvals in as little as 24 hours with funding often available within 48 hours.

Their streamlined process eliminates lengthy paperwork requirements. Businesses submit invoices online through their secure platform.

Fast A/R Funding provides non-recourse factoring options for qualifying clients. This means businesses are protected if their customers fail to pay approved invoices.

The company serves various industries including manufacturing, staffing, and professional services. They work with businesses that have monthly invoice volumes starting at $50,000.

Their factoring rates depend on customer creditworthiness and invoice terms. Accounts receivable financing rates typically range from 1% to 5% per month.

Fast A/R Funding maintains local expertise in New York's business environment. They understand state-specific regulations and industry requirements that affect factoring transactions.

3) Coral Capital Accounts Receivable Financing

Coral Capital Solutions is a commercial finance company that provides working capital to small and midsize businesses in New York. The company focuses primarily on accounts receivable financing and purchase order funding.

Businesses can sell their unpaid invoices to Coral Capital and receive immediate cash advances. This eliminates waiting 30-90 days for customers to pay their bills.

The company also offers asset-based loans against receivables and inventory. These financing options help businesses maintain steady cash flow during growth periods or seasonal fluctuations.

Coral Capital serves various industries including manufacturing, services, imports, and consulting. They use their own equity to fund transactions, which allows for faster approval and funding processes.

The factoring facility can range significantly based on business needs. In 2017, they provided a $7 million accounts receivable factoring facility to a telecommunications construction provider, demonstrating their capacity for larger deals.

Businesses receive a significant portion of their invoice value upfront. This immediate funding helps companies pay employees, purchase inventory, and cover operational expenses without delays.

4) Commercial Funding Invoice Factoring Solutions

Commercial Funding Inc. offers streamlined invoice factoring services for businesses seeking immediate cash flow. The company makes the invoice factoring process simple with a straightforward application system.

Businesses can convert unpaid invoices into working capital within days rather than waiting 30-90 days for customer payments. This financing method works well for companies with B2B clients who have established payment terms.

Commercial Funding provides three main financing options: invoice factoring, asset-based loans, and debtor-in-possession financing. Companies can choose the solution that best fits their current financial situation and growth stage.

The factoring process involves selling outstanding invoices to Commercial Funding at a discount. The company then collects payment directly from customers, eliminating collection responsibilities for the business owner.

New York businesses across various industries use these accounts receivable financing solutions to maintain steady operations. The funding helps cover payroll, supplier payments, and new business opportunities without traditional loan requirements.

Commercial Funding serves startups, growing companies, and businesses in recovery mode. Their representatives work directly with clients to determine the most suitable financing structure for each situation.

5) BlueVine Invoice Factoring

BlueVine partners with FundThrough to provide invoice factoring services for businesses looking to improve cash flow. The platform allows companies to sell their outstanding invoices at a discount in exchange for immediate cash.

Businesses typically receive 70 to 90 percent of their invoice value upfront. The factoring company collects payment directly from customers when invoices become due.

BlueVine's factoring solution works best for companies with B2B customers who have good credit ratings. The approval process focuses on the creditworthiness of a business's customers rather than the business itself.

New York businesses can access funds within days of submitting invoices. This speed helps companies maintain steady cash flow without waiting 30 to 90 days for customer payments.

The platform charges factoring fees based on factors like invoice amount, customer credit quality, and payment terms. Companies pay these fees only on invoices they choose to factor.

BlueVine requires businesses to factor all invoices from approved customers. This arrangement ensures consistent revenue for the factoring company while providing predictable funding for growing businesses.

6) Fundbox Accounts Receivable Financing

Fundbox offers business financing up to $150,000 through invoice financing and lines of credit. The company focuses on helping small businesses improve cash flow by advancing money against unpaid invoices.

Fundbox does not offer traditional invoice factoring. Instead, they provide invoice financing where businesses receive loans based on their accounts receivable rather than selling invoices outright.

The platform uses technology to streamline the application and approval process. Businesses can access funds quickly, often within hours of approval.

Fundbox requires businesses to have outstanding invoices to qualify for financing. The company evaluates creditworthiness based on both business performance and invoice quality.

Interest rates and fees vary depending on business qualifications and loan terms. The financing structure allows businesses to retain control over customer relationships since they collect payments directly.

New York businesses considering accounts receivable financing options should evaluate Fundbox's terms against other providers. The platform works best for companies needing quick access to working capital while maintaining customer payment processes.

Fundbox serves as an alternative to traditional bank financing, particularly for businesses with limited credit history or those requiring faster funding decisions.

7) Paragon Financial Group Factoring

Paragon Financial Group has been providing factoring services since 1994 from their Fort Lauderdale headquarters. The company has processed over $2 billion in transactions and funded more than 2,200 companies.

Paragon serves small to large businesses across various industries with monthly volumes up to $3 million. They offer non-recourse invoice factoring, which protects businesses from bad debt if customers don't pay.

The company provides accounts receivable financing for businesses with monthly revenues between $30,000 and $3 million. Their services include credit protection and accounts receivable management alongside factoring.

Paragon also offers purchase order financing to help businesses fulfill large orders when they lack upfront capital. This service works well for companies that have confirmed purchase orders but need funds to complete the work.

The company focuses on providing working capital solutions for growing businesses that need alternatives to traditional bank financing. They serve companies nationwide and have built a reputation in New York factoring markets over their 30-year history.

8) Credibly Business Funding

Credibly operates from 270 Madison Avenue in Midtown Manhattan and provides business financing solutions in New York City. The company focuses on small and medium-sized enterprises that need quick access to capital.

The platform offers small business loans up to $400,000 with flexible terms. Businesses can use funding for working capital, payroll, equipment purchases, and other operational expenses.

Credibly provides rapid funding decisions compared to traditional bank loans. The application process is streamlined for businesses that need capital quickly.

The company offers both secured and unsecured loan options. Interest rates vary based on business qualifications and loan terms.

Repayment structures include daily payment options that align with business cash flow patterns. This can help businesses manage their payment schedules more effectively.

Credibly serves businesses across multiple industries in New York. The company has established relationships with small business owners throughout the state.

Business owners should review all terms carefully before accepting funding. Higher rates may apply to unsecured loans, and daily repayment requirements can impact cash flow management.

9) altLINE Invoice Factoring

altLINE from The Southern Bank Company provides invoice factoring services for B2B companies across multiple industries. The company operates as a division of Southern Bank Company, offering businesses immediate cash flow solutions.

Business owners can sell their unpaid invoices to altLINE at a discount to receive immediate working capital. This eliminates waiting periods for customer payments and helps maintain steady operations.

The company focuses exclusively on recourse factoring structures. While businesses must repay advances if customers fail to pay, recourse factoring for small businesses typically offers lower rates and higher credit limits.

altLINE serves various industries and provides flexible payment terms based on individual business needs. Companies can factor single invoices or establish ongoing factoring relationships.

The application process involves credit checks on both the business and their customers. altLINE evaluates the creditworthiness of invoice debtors before approving factoring agreements.

Businesses receive funding quickly after invoice approval, typically within 24 to 48 hours. This speed helps companies meet immediate cash flow requirements without traditional loan delays.

10) RTS Financial Receivables Financing

RTS Financial specializes in accounts receivable financing for businesses across the United States. The company operates from its California headquarters and focuses primarily on trucking, transportation, and freight industries.

The firm provides same-day funding with competitive advance rates on open invoices. Businesses can access cash within 24 hours through their factoring services.

RTS Financial offers transparent pricing with no hidden fees. Their streamlined process helps companies improve cash flow without complex approval procedures.

The company operates CarrierPro, a specialized unit that delivers faster financing services for transportation sector clients. This division caters specifically to trucking companies and freight businesses.

Manufacturing companies benefit from RTS Financial's working capital solutions. The service helps businesses avoid waiting 30 to 90 days for customer payments while maintaining operations and growth initiatives.

RTS Financial competes with other accounts receivable financing companies including Universal Funding and Capflow Funding Group. The company serves both small and large businesses seeking immediate access to tied-up capital in outstanding invoices.

Understanding Accounts Receivables Funding Solutions in New York

Accounts receivables funding provides immediate cash flow by converting unpaid invoices into working capital. New York businesses gain access to funds typically within 24-48 hours while maintaining operations during payment delays.

How Accounts Receivables Funding Works

Accounts receivable financing is a loan structure based on outstanding invoices that clients have not yet paid. Companies submit their unpaid invoices to a funding provider who advances 80-95% of the invoice value immediately.

The funding company collects payment directly from the business's customers. Once customers pay their invoices, the funding provider releases the remaining balance minus their fee.

Two main types exist:

• Invoice Factoring: The funding company purchases invoices outright
• Invoice Financing: Businesses use invoices as collateral for a loan

Processing typically takes 1-3 business days. Companies must provide invoice copies, customer information, and basic financial documents.

Fees range from 1-5% of invoice value depending on customer creditworthiness and payment terms. The funding provider evaluates the credit quality of the business's customers rather than the business itself.

Key Benefits for New York Businesses

New York companies from various industries use invoice factoring to receive immediate cash flow for daily operations and expenses. This funding method eliminates the 30-90 day wait for customer payments.

Primary advantages include:

• Immediate Cash Access: Funds available within 24-48 hours
• No Debt Creation: Invoice factoring does not appear as debt on balance sheets
• Credit Protection: Funding companies often provide credit checks on customers
• Scalable Funding: Credit limits grow with sales volume

Manufacturing, staffing, and service companies benefit most from receivables funding. These businesses often face long payment cycles while maintaining payroll and operational expenses.

The approval process focuses on customer creditworthiness rather than business credit scores. This makes receivables funding accessible to newer companies or those with limited credit history.

Why Resolve Pay Is the #1 Option for Accounts Receivables Funding

Resolve Pay stands out through its comprehensive net terms management approach and rapid funding capabilities. The platform combines advanced automation with flexible credit solutions that traditional factoring companies cannot match.

Unique Features of Resolve Pay

Resolve Pay offers up to 100% advance on net terms invoices within 1 day, setting it apart from traditional funding methods. This speed gives businesses immediate access to cash while customers maintain their preferred 30, 45, or 60-day payment terms.

The platform handles every aspect of net terms management. It performs credit checks, generates reports, makes credit decisions, and manages collections automatically. This end-to-end approach eliminates the need for multiple vendors or complex internal processes.

Key differentiators include:

• Full invoice advance rather than partial funding
• Customer credit lines that grow purchasing power
• Automated accounts receivable management
• Risk assessment on each customer

Unlike invoice factoring, Resolve Pay maintains the business relationship between companies and their customers. Customers receive credit lines and can purchase more over time, creating growth opportunities for both parties.

Streamlined Application and Approval Process

The application process eliminates lengthy paperwork and complex approval chains. Businesses can access funding within one business day rather than waiting weeks for traditional financing approval.

Resolve Pay automates all aspects of accounts receivable including credit decisions and payment processing. This automation reduces manual work and speeds up the entire funding process.

The platform integrates directly with existing business systems. Companies can embed the credit billing solution into their current workflows without disrupting operations or requiring extensive technical changes.

Process benefits:

• Same-day funding availability
• Automated credit decisions
• Direct system integration
• No complex documentation requirements

Traditional accounts receivable financing often requires extensive documentation and lengthy approval processes. Resolve Pay simplifies this through technology and streamlined operations that benefit both sellers and buyers.

Frequently Asked Questions

Businesses considering accounts receivable funding often have specific questions about costs, service quality, and processing times. Resolve Pay addresses these concerns with transparent fee structures and fast funding solutions designed for New York businesses.

What are the typical fees associated with accounts receivable funding solutions?

Accounts receivable financing companies typically charge fees between 1% to 5% of the invoice value. These fees depend on factors like invoice amount, customer creditworthiness, and payment terms.

Most providers use a factor rate system rather than traditional interest rates. The fee covers the advance amount, credit checks, and collection services.

Some companies charge additional fees for setup, monthly maintenance, or wire transfers. Businesses should request a complete fee breakdown before signing any agreement.

How does Resolve Pay compare with other AR financing companies in terms of service quality?

Resolve Pay offers dedicated account management and real-time funding decisions. Their platform provides transparency through detailed reporting and invoice tracking capabilities.

Unlike many competitors, Resolve Pay focuses on building long-term partnerships rather than transactional relationships. They provide personalized service tailored to each business's specific needs.

The company maintains high approval rates and works with businesses across various industries. Their technology platform streamlines the entire funding process from application to payment.

What customer service options does Resolve offer to businesses using their AR funding solutions?

Resolve Pay provides multiple customer service channels including phone support, email assistance, and online chat. Businesses receive dedicated account managers who understand their specific funding requirements.

The company offers extended business hours to accommodate different time zones and urgent funding needs. Their support team includes AR specialists who can provide guidance on invoice management best practices.

Resolve Pay also provides educational resources and webinars to help businesses optimize their accounts receivable processes. This comprehensive support approach ensures clients maximize their funding potential.

How quickly can a business access funding through Resolve's accounts receivable services?

Resolve Pay typically processes funding requests within 24 to 48 hours after approval. Initial applications can be completed online and receive preliminary approval within hours.

Once approved, businesses can access funds for new invoices within the same business day. The company's automated systems eliminate lengthy paperwork and manual review processes.

Emergency funding requests may receive expedited processing. Resolve Pay understands that cash flow needs often arise unexpectedly in business operations.

What makes Resolve Pay the preferred option for accounts receivable funding in New York?

Resolve Pay understands New York's diverse business landscape and regulatory environment. They work with companies across industries including manufacturing, staffing, and professional services.

The company offers competitive rates and flexible terms that adapt to seasonal business fluctuations. Their local presence means faster response times and better understanding of regional market conditions.

Resolve Pay's technology platform integrates with popular accounting software used by New York businesses. This integration reduces administrative burden and improves cash flow visibility.

Can Resolve provide funding solutions for businesses with a diverse portfolio of accounts receivables?

Resolve Pay works with businesses that have varied customer bases and invoice types. They evaluate each customer's creditworthiness individually rather than applying blanket restrictions.

The company funds invoices across different industries and payment terms. This flexibility allows businesses to access funding for their entire receivables portfolio rather than select invoices only.

Resolve Pay's risk assessment tools handle complex receivables structures including progress billing and milestone payments. They customize funding solutions based on each business's unique receivables composition.

This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.