Accounts Receivables Funding Solutions In South Carolina - 2025

South Carolina businesses often face cash flow challenges when waiting for customers to pay outstanding invoices. Accounts receivable funding provides immediate access to cash by converting unpaid invoices into working capital, helping businesses maintain operations and pursue growth opportunities.

Several companies offer accounts receivable financing solutions across South Carolina, each with different terms, rates, and industry specializations. This guide examines the top providers, their specific programs, and how businesses can choose the right funding partner for their needs.

1) Resolve Pay's Accounts Receivable Financing Program

Resolve Pay offers businesses immediate access to cash by advancing up to 100% on net terms invoices within one day. Companies can maintain their customer relationships while getting paid faster.

The platform handles credit checks, payment processing, and collections automatically. This AR automation system removes the administrative burden from businesses.

Customers receive 30, 45, or 60-day payment terms with established credit lines. This arrangement helps buyers purchase more while sellers get immediate cash flow.

Unlike traditional factoring, Resolve Pay maintains the business relationship between seller and buyer. The service appears seamless to customers who continue paying on their normal terms.

The program works across various industries and business sizes. Companies can access working capital without waiting for invoice payments or dealing with complex approval processes.

Invoice factoring differs from traditional financing because it uses outstanding invoices as collateral rather than real estate or equipment. Resolve Pay streamlines this process for South Carolina businesses.

Businesses receive funds quickly while customers maintain their preferred payment schedules. This creates a win-win situation that supports growth for both parties.

2) AR Funding's Invoice Factoring Solutions in Greenville

AR Funding has operated since 1996 and maintains its headquarters in Greenville, South Carolina. The company specializes in converting accounts receivables into immediate cash for businesses nationwide.

Their invoice factoring service provides debt-free working capital to companies that need faster access to funds. Businesses can sell their outstanding invoices to AR Funding instead of waiting 30-90 days for customer payments.

The Greenville-based team has over 100 years of combined experience in accounts receivable financing. They work with small to medium-sized businesses across various industries, including staffing agencies and service companies.

AR Funding focuses on accounts receivable financing and invoice factoring as their primary services. Companies receive immediate cash flow while AR Funding handles the collection process from their South Carolina operations center.

Businesses can access this funding without taking on additional debt or giving up equity. The factoring arrangement allows companies to maintain operations and pursue growth opportunities while waiting for customer payments to arrive.

3) Scale Funding's Fast Invoice Factoring Services

Scale Funding operates as a branch of Fidelity Bank and provides invoice factoring solutions for businesses across multiple industries. The company purchases unpaid invoices from businesses and provides immediate cash flow.

Businesses receive immediate payment instead of waiting 30 to 90 days for customer payments. Scale Funding handles the collection process and assumes responsibility for invoice payments.

The company specializes in accounts receivable financing and payroll funding services. They advance cash against outstanding invoices at competitive rates.

Scale Funding serves South Carolina businesses with dedicated invoice factoring programs. Companies can access working capital quickly without traditional loan requirements or lengthy approval processes.

The factoring process involves selling invoices at a discount rate. Businesses receive the majority of invoice value upfront while Scale Funding collects the full amount from customers.

Scale Funding caters to companies that need consistent cash flow to cover operational expenses like payroll and supplier payments. The service helps businesses maintain operations without waiting for slow-paying customers.

4) 1st Commercial Credit Accounts Receivable Lines of Credit

1st Commercial Credit operates as a national leader in accounts receivable financing with over $6 billion in funding volume by 2024. The Austin-based company serves businesses across multiple industries that need quick access to working capital.

The company recently launched its Ledger Lines program providing revolving credit facilities of up to $20 million backed by receivables. This program targets high-growth businesses generating at least $3 million in monthly invoices.

Businesses can access up to 90% of their receivable value as working capital through this financing solution. The program specifically addresses the financing gap for companies seeking asset-based lending solutions in the $3 million to $10 million range.

1st Commercial Credit provides quick approval processes with initial funding completed within 3 to 5 working days. The company also maintains $200 million in receivables insurance coverage to protect transactions.

Their financing model allows businesses to transition from high-cost financing options to receivables-based funding that grows with the business. This makes it suitable for companies in staffing, manufacturing, and other industries requiring consistent cash flow.

5) Associated Receivables Funding's Professional AR Services

Associated Receivables Funding has operated since 1996 from their Greenville, South Carolina headquarters. The company provides invoice factoring and accounts receivable funding to businesses across the United States.

AR Funding focuses on converting accounts receivable into immediate cash flow for companies. This debt-free working capital helps businesses maintain operations without taking on traditional loans.

The company serves multiple industries including trucking, security, staffing, manufacturing, wholesale, distribution and government contracting sectors. Their team brings over 100 years of combined experience to client relationships.

AR Funding maintains a Better Business Bureau profile and specifically targets small to medium-sized businesses nationwide. They help companies accelerate their accounts receivable collections to improve cash flow timing.

The firm operates as a financial services company with annual revenue between $2.5 million and $5 million. Their staff works to provide professional service and industry insight for clients requiring faster access to their outstanding invoices.

6) South Carolina Small Business Grants and Financing Options

South Carolina businesses have access to various funding programs beyond traditional accounts receivable solutions. The state offers multiple grant and loan programs designed to support business growth and expansion.

South Carolina small business grants are available through government programs. Business owners can receive funding that does not require repayment. These grants focus on starting and growing ventures across the state.

The South Carolina Department of Commerce connects businesses with funding opportunities. They provide partnerships and resource referrals to help companies access capital. Rural and underserved areas receive particular attention for business support programs.

Technology companies benefit from specialized funding programs. The state supports research and development initiatives, startup assistance, and entrepreneurship development. These programs concentrate on innovation and technology commercialization efforts.

Federal support comes through the U.S. Small Business Administration offices in Columbia, Charleston, and Spartanburg. The SBA provides access to national funding programs, federal contracts, and business development resources.

Direct lending programs and loan guarantees expand financing options. Regional loan funds and specialized financing programs target small and mid-size businesses throughout South Carolina.

7) Quick Capital Access with Resolve Pay

Resolve Pay delivers fast funding to South Carolina businesses through streamlined accounts receivable financing. Companies can access capital within 24-48 hours after approval.

The platform advances 70% to 90% of invoice values immediately. This eliminates waiting 30-90 days for customer payments.

Businesses submit invoices through Resolve Pay's digital platform. The system evaluates creditworthiness and processes applications quickly.

Accounts receivable financing companies like Resolve Pay focus on invoice quality rather than business credit scores. This makes funding accessible to newer companies.

South Carolina manufacturers, distributors, and service providers benefit from immediate cash flow. They can pay suppliers, cover payroll, and invest in growth opportunities without delay.

The funding process requires minimal paperwork compared to traditional bank loans. Invoice factoring solutions typically involve lengthy approval processes, but Resolve Pay streamlines operations.

Businesses maintain control over customer relationships while accessing needed capital. Resolve Pay handles collections professionally without disrupting existing client connections.

8) Flexible Repayment Terms from Top SC Providers

South Carolina businesses need repayment options that match their cash flow cycles. Flexible repayment terms for borrowers allow companies to adjust payment schedules based on their financial needs.

Most top providers offer repayment terms of 90 days or longer. This gives businesses time to collect from their customers before repaying the advance.

Some lenders provide customizable schedules that align with seasonal business patterns. Manufacturing companies and retail businesses benefit from these adjusted payment timelines.

South Carolina invoice factoring programs often include grace periods for late payments. These terms help businesses avoid penalties during slow collection periods.

The best providers allow early repayment without fees. This flexibility helps companies save on interest costs when cash flow improves.

Payment frequency options include weekly, bi-weekly, or monthly schedules. Businesses can choose the option that best fits their revenue cycles.

Some providers offer interest-only payments during agreed periods. This structure reduces monthly payment amounts while businesses build up cash reserves.

Advanced providers integrate payment tracking with business accounting systems. This automation simplifies the repayment process and reduces administrative work.

9) Debt-Free Working Capital with AR Funding

AR funding provides businesses with immediate cash without creating traditional debt obligations. Companies sell their outstanding invoices to funding companies and receive money upfront instead of waiting for customer payments.

This approach differs from bank loans because businesses don't owe monthly payments or interest charges. The funding company takes ownership of the invoices and collects directly from customers.

Accounts receivable funding converts receivables into ready cash without adding debt to company balance sheets. Businesses maintain healthier financial ratios since they're not increasing their debt load.

South Carolina companies can access working capital within 24-48 hours after approval. This speed helps businesses cover payroll, purchase inventory, or handle unexpected expenses without traditional lending delays.

The funding amount depends on invoice values and customer creditworthiness rather than business credit scores. Companies with strong customers but limited credit history can still qualify for substantial funding amounts.

Businesses retain control over operations while improving cash flow positions. They can focus on growth opportunities instead of managing payment collection processes.

10) Invoice Factoring for Various South Carolina Industries

Invoice factoring serves businesses across multiple industries in South Carolina. Manufacturing companies use factoring to bridge payment gaps while waiting for customer payments. Transportation and logistics firms leverage factoring to maintain steady cash flow for fuel and equipment costs.

Construction businesses benefit significantly from factoring services. These companies often face extended payment terms from clients and need immediate cash for materials and payroll. South Carolina factoring companies provide specialized solutions for construction invoices.

Healthcare providers use factoring to convert insurance claims into immediate working capital. Staffing agencies rely on factoring to pay employees while waiting for client payments. Distribution companies use these services to maintain inventory levels and fulfill orders promptly.

Technology firms and professional services businesses also utilize factoring. These industries often have longer sales cycles but need consistent cash flow for operations. Invoice factoring enables businesses to grow without taking on additional debt.

Textile and apparel companies in South Carolina use factoring to manage seasonal fluctuations. Agricultural businesses leverage these services during harvest seasons when cash needs peak but payments arrive later.

Understanding Accounts Receivables Funding in South Carolina

South Carolina businesses can convert unpaid invoices into immediate cash through accounts receivable funding. The typical fee structure ranges from 1% to 5% of invoice value depending on industry and customer payment history.

Key Benefits for South Carolina Businesses

Accounts receivable funding eliminates cash flow gaps that hurt business operations. Companies no longer wait 30 to 90 days for customer payments.

Immediate Access to Capital Businesses receive 80% to 95% of invoice value within 24 to 48 hours. This quick funding helps cover payroll, inventory purchases, and operating expenses without delay.

No Traditional Loan Requirements Companies with poor credit scores can still qualify. Lenders focus on customer creditworthiness rather than business credit history.

Flexible Funding Options South Carolina invoice factoring programs work with businesses of all sizes and industries. Manufacturing, staffing, and transportation companies commonly use these services.

Key advantages include:

• Debt-free financing - No loans to repay
• Improved cash flow - Predictable working capital
• Growth opportunities - Fund new contracts immediately
• Reduced administrative burden - Lender handles collections

Eligibility and Application Process

Most South Carolina businesses with B2B invoices qualify for accounts receivable funding. The application process takes 24 to 72 hours from start to funding.

Basic Requirements Companies need monthly sales of at least $10,000 to $25,000. Invoices must be for completed work with creditworthy customers.

Application Steps

1. Submit basic business information and sample invoices
2. Lender verifies customer creditworthiness
3. Review and sign funding agreement
4. Receive advance payment on approved invoices

Documentation Needed:

• Recent financial statements
• Customer invoices and contracts
• Business license and tax ID
• Bank statements from last three months

Accounts receivable financing typically requires no collateral beyond the invoices themselves. Approval depends primarily on customer payment history and invoice terms rather than business credit scores.

Why Resolve Pay Is the #1 Option

Resolve Pay stands out in South Carolina's accounts receivables funding market through its unique credit billing approach and advanced automation capabilities. The platform eliminates traditional factoring risks while providing same-day funding and dedicated customer support.

Competitive Advantages of Resolve Pay

Resolve Pay differentiates itself from traditional invoice factoring through its comprehensive credit management system. Resolve advances up to 100% on net terms invoices within 1 day while customers pay on 30, 45, or 60-day terms.

Key competitive features include:

• Credit checking automation - eliminates manual underwriting processes
• 100% advance rates - higher than typical factoring companies
• No recourse risk - Resolve assumes credit risk on approved invoices
• Embedded payment processing - streamlines customer checkout experience

The platform handles every aspect of offering net terms as a payment option. This includes credit verification, invoice financing, accounts receivable automation, and payment processing acceleration.

Unlike factoring companies, Resolve focuses on B2B deferred payments through an end-to-end credit billing solution. This approach reduces costs and complexity for businesses while maintaining customer relationships.

Resolve Pay helps unlock cash flow through a safer and more affordable model than traditional invoice factoring options.

Customer Experience and Support

Resolve Pay prioritizes seamless integration and user experience for both businesses and their customers. The platform removes complexity from extended payment terms while maintaining professional billing processes.

Customer benefits include:

• No interest or fees when accounts are repaid within terms
• Multiple payment options - ACH, credit cards, wire transfers, and checks
• Instant credit decisions through automated underwriting
• Credit line establishment for repeat purchases

Businesses receive dedicated support throughout the implementation process. The platform integrates with existing billing systems and e-commerce platforms to minimize disruption.

Resolve Pay's embedded approach means customers experience a native checkout process. This maintains brand consistency while offering flexible payment terms that drive larger order values.

The company has secured significant backing with $60 million in funding to expand its embedded billing platform for B2B transactions. This financial strength ensures platform reliability and continued innovation for South Carolina businesses.

Frequently Asked Questions

Business owners in South Carolina often have specific questions about accounts receivable funding processes and requirements. These answers address common concerns about eligibility, pricing, timelines, and how AR funding differs from traditional business loans.

What are the benefits of using Accounts Receivables Funding for my South Carolina business?

Accounts receivable funding provides immediate cash flow without waiting 30-90 days for customer payments. Businesses can access up to 90% of their invoice value within 24-48 hours after approval.

This funding method does not require collateral or personal guarantees like traditional bank loans. Companies maintain control over customer relationships while improving their working capital position.

Small businesses in South Carolina can use AR funding to pay suppliers, cover payroll, or invest in growth opportunities. The funding grows with sales volume, providing scalable financing solutions.

How does Resolve Pay's pricing structure work for funding solutions?

Resolve Pay charges factor fees ranging from 1% to 5% per 30-day period based on customer creditworthiness and invoice terms. Higher credit quality customers result in lower fees for businesses.

The company does not charge application fees, setup costs, or monthly minimums. Businesses only pay fees on invoices they choose to factor.

Additional services like credit checks on customers and collections management are included in the standard pricing. Invoice factoring rates vary based on industry risk and invoice volume.

What types of businesses are eligible for Resolve AR funding programs?

B2B companies with commercial customers qualify for accounts receivable funding programs. Businesses must have been operating for at least 6 months with monthly sales of $50,000 or higher.

Service companies, manufacturers, distributors, and staffing agencies commonly use AR funding. Businesses cannot have filed bankruptcy in the past two years or have significant tax liens.

Customer invoices must be for completed work or delivered goods with payment terms of 90 days or less. Companies with government contracts or very long payment terms may not qualify.

How can I contact Resolve Pay's customer service for inquiries on my funding solution?

Businesses can reach Resolve Pay customer service through their online portal or dedicated account manager phone line. The company provides direct access to decision makers rather than call center representatives.

Account managers handle questions about funding availability, payment processing, and customer credit issues. They respond to inquiries within 2-4 hours during business days.

Emergency funding requests outside normal hours can be submitted through the online platform. The system automatically notifies the appropriate team members for urgent situations.

What makes B2B financing through accounts receivable different from traditional lending options?

Accounts receivable financing bases approval on customer creditworthiness rather than business credit scores. Banks focus on company financial statements and require extensive documentation.

AR funding does not appear as debt on company balance sheets since it represents a sale of assets. Traditional loans create liabilities that affect debt-to-equity ratios and borrowing capacity.

Funding amounts increase automatically as sales grow without reapplying or renegotiating credit limits. Bank lines of credit require periodic reviews and may be reduced during economic downturns.

What is the typical timeline for receiving funding after applying for quick business funding with Resolve Pay?

Initial approval decisions are made within 24 hours of submitting a complete application. The application requires basic business information and recent accounts receivable aging reports.

First funding typically occurs 2-3 business days after approval once customer verification is complete. Subsequent invoice funding happens within 24 hours of submission.

The setup process includes credit checks on major customers and establishing electronic payment processing. Businesses can begin submitting invoices immediately after the initial funding setup is complete.

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.