Invoice factoring eliminates the need for costly financing solutions by giving you a cash payment in exchange for your unpaid invoices. This allows you to get paid for the work you did sooner, rather than wait on net payment terms or become dependent on borrowed funds.
At REV Capital, we specialize in recourse factoring, offering lower fees in exchange for less risk absorption, and allowing you to access cash flow quickly and cost-effectively. This differs from non-recourse factoring, where the factoring company assumes full risk but charges higher fees. We offer invoice factoring throughout Canada and the States, including major business markets like Toronto, Montreal, Calgary, New York, California, and more.
Would you prefer $98 today or $100 in 90 days, once your customers finally settle their invoices?
Invoice factoring allows you to sell unpaid invoices to factoring companies in Ontario, giving you instant access to working capital. Unlike traditional business loans, the funds you receive require no interest repayment, no strong credit history, and no collateral.
The funds acquired from selling unpaid invoices provide immediate, 24/7 access to cash (often available in 24 to 48 hours). This prevents a delay in receiving funds, allowing you to easily cover operational costs, payroll, and other business expenses. That means no more scrambling for funds when payment deadlines arise.
Invoice factoring is “anti-debt” because factoring companies aren’t lending you anything. The money you receive comes from the invoices you’ve sold, meaning you don’t need to borrow funds. Ultimately, this relieves financial stress and helps you maintain healthy credit.
Invoice factoring aligns with your business growth and performance. As your sales and invoices increase, so does your available funding. This allows you to keep your cash flow on par with your business costs, so there’s no shortfall of funds.
Ontario factoring companies will approve you for funding based on your customer's creditworthiness. They don’t look at your credit score or financial history, making factoring more accessible if you have unestablished credit, which would typically bar you from traditional loans.
Applying for a traditional business loan is often tedious and complex; factoring is usually faster and more straightforward. The process involves selling goods or services and issuing an invoice to the customer.
You then sell the invoice to a factoring company in Ontario, with you receiving up to 98% of the invoice value upfront. The factoring company assumes responsibility for collecting payment from the customer. After the customer makes their payment, the factoring company deducts a fee—typically around one to three percent—before transferring the remaining balance to you.
REV Capital focuses on helping growing businesses like yours stay competitive and profitable. Unlike traditional banks that lock you into business loans with little additional support, we help you achieve new growth in a more scalable and sustainable way.
Our focus on invoice factoring puts money in your pocket—minus the debt—allowing you to cover key business expenses without financial stress. We also educate you throughout the process, so you never feel lost and unsure of what steps to take next. We’re award-winners in this space, bringing a wealth of experience and success stories.
REV Capital is a leading invoice factoring company with extensive experience in the financing space. Headquartered in Woodbridge, Ontario, we’re a key player among Toronto factoring companies, providing small and medium-sized businesses, as well as large enterprises with full-service factoring services.
We’re committed to helping Canadian and American businesses access working capital that leads to steady cash flow, bigger growth opportunities, and streamlined accounts receivable management.
Don’t let uncontrollable business factors like cash flow problems block your growth potential. Get funded today and begin your journey to financial empowerment.