Invoice factoring for trucking & IT staffing
Turn unpaid invoices into cash in as little as 24 hours. Not a loan, no new debt. We work with independent funding partners who advance 85%–95% of your invoice value.
Invoice #10482
$100,000 · NET 45
In your account tomorrow
$90,000
90% of your invoice, wired on day 1
The balance follows when your customer pays, less the fee.
The cash gap
Your customers pay on their schedule. Your bills don't.
30–60 days to get paid
Fuel, insurance and driver pay are due this week. Broker and shipper payments arrive next month.
Freight factoringnet-45 to net-90 terms
Your techs and engineers get paid every week or two. Your clients pay on enterprise terms.
IT staffing factoring$0 of it available today
Every invoice you're waiting on is money you've already earned, but can't use yet.
How it works
Step 01
Upload your application, A/R aging and a few sample invoices through our secure portal.
Step 02
Our funding partners review your customers' credit and confirm the invoices, usually in 1–2 business days.
Step 03
Once set up, cash is wired to your business bank account, often within 24 hours of each invoice.
Advance rates, fees and timelines are set by the funding partner and depend on your customers' credit.
Once you're set up
Step 1
Submit through your secure portal. Takes about two minutes.
Step 2
Your funding partner verifies the invoice, often the same day it's submitted.
Step 3
Funds land straight in your business bank account. No checks, no waiting on the mail.
Applies to invoices submitted after your account is set up. Actual timelines are set by the funding partner and vary by file.
Invoice estimate
Two questions. No sign-up, no credit check, no phone call required.
1 Your invoice
How much is the invoice?
When does your customer usually pay?
2 Your estimate
In your account tomorrow
…
…
Estimate only. Your funding partner sets the actual advance, fee and timeline based on your industry, your customers' credit and your file.
Why Nordthane
What you'll need
No business plan, no tax returns, no collateral, no personal guarantee required by us.
Start your applicationHow factoring compares
A bank loan and a merchant cash advance are both credit: you borrow money and repay it on a schedule, regardless of when your customers pay you. Factoring is a sale: you're converting an asset you already own into cash, on the timeline you choose.
| Factoring | Bank loan | MCA | |
|---|---|---|---|
| Time to funding | Days | Weeks to months | Days |
| Adds debt | No | Yes | Yes |
| Monthly payment | None | Fixed | Daily / weekly |
| Based on | Customer credit | Your credit | Card volume |
| Grows with sales | Yes | No | No |
General comparison. Terms vary by provider and by file.
“Factoring has outlasted 4,000 years of economic cycles. It isn't a fad. It's how businesses that sell on terms stay liquid. We built Nordthane so getting paid doesn't have to wait.”
Alejandro Iglesias, Founder, Nordthane Capital
Read our storyFAQ
No. You sell invoices you've already earned at a small discount and get cash now instead of waiting.
New accounts usually take 2–5 business days for trucking and 1–2 weeks for staffing. After setup, invoices can fund within 24 hours.
Fees typically start at 2%–3% for the first 30 days, with roughly 1%–1.5% more for each additional 30 days. Nordthane charges you nothing.
Your customers' ability to pay matters more than your personal credit.
Sell your invoices with Nordthane Capital, your factoring partner. Free to apply, no obligation.