Recourse Factoring

Streamline Success. Amplify Your Cashflow.

Recourse factoring pays you the money you need, when you need it. Trade in your invoices to cover upcoming expenses or seize new growth opportunities while maintaining control of your accounts receivable.
3,800+ Invoices Processed Daily
1,400+ Active Clients
3 Billion Funded Annually

Understanding Recourse Factoring

What is recourse factoring? With our support, it means converting outstanding invoices into instant working capital at a lower fee than non-recourse factoring. Repurchase any unpaid invoices back from us and enjoy the flexibility of managing your receivables effectively.

This is how REV Capital—the leading recourse factoring company—is here to help.

Take on New Opportunities
Manage Day-To-Day Expenses
Invest in Expansion Initiatives
Lower Factoring Costs and Fees

Our Seamless Recourse Factoring Process

Recourse invoice factoring is simple with REV Capital. You collect invoices for the goods and services you provide and sell them to us for a percentage of their total amount. We’ll handle collecting outstanding invoices from your clients and if any invoices remain unpaid, you simply buy them back from us!

The Benefits of Recourse Factoring

While many companies claim to provide non-recourse factoring, businesses need to understand that the term "non-recourse" isn't always as straightforward as it sounds.

In the world of factoring, true non-recourse implies that the factor assumes all credit risk, meaning you are not responsible for repurchasing an invoice if your customer defaults. However, some non-recourse factoring companies include contractual nuances that shift some risk back onto your business. Here's a breakdown of how this can happen:

Improved Cashflow
Factoring with recourse puts money in your pocket quickly and easily. 
Flexibility in Funding
From payroll to growth, you can spend your cash however you like.
Reduced Credit Risk
Recourse factoring can provide a layer of risk mitigation for your business.
Lower Costs and Fees
This option is even more cost-effective than a non-recourse factoring agreement. 
Potential for Higher Payments
Recourse invoice factoring opens up the possibility of bigger cash payments.
Maintain Customer Control
Elevate your cashflow effortlessly by taking the next step with our recourse factoring services.

Unlocking financial flexibility is simple.

Elevate your cashflow effortlessly by taking the next step with our recourse factoring services.

Apply Now

Changing the game by putting you first

We know who matters most to you as a dedicated business owner: your people. Our mission is to support you so you can support them.

Other Factors

Limited insight into your account and funding updates.
Big call centers and limited email support.
Hidden fees including origination fees, termination fees, limits, and more.
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24/7 access to our online portal for complete tracking and monitoring of collection notes, checks, purchase reports, and statements.
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Dedicated REV Capital Client Relationship Manager who understands the unique needs of your business.
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Transparent fee structures that never leave you guessing where your money is.

Is Recourse Factoring Right For You?

If you’re struggling with frequent payment delays or watching growth opportunities pass you by, then factoring with recourse could be the solution.
Lack of Consistent Cashflow
Inconsistent cashflow often makes it challenging for businesses to cover their regular expenses and continue their operations. Whether sudden market changes or unforeseen circumstances are to blame, recourse factoring invoices can help.
Rapid Growth
Don’t let unpaid invoices hinder your business’s growth potential. Factoring with recourse ensures you always have the cash that you need to take advantage of any can’t-miss expansion opportunities coming your way.
Seasonal Fluctuations
Your business’s off-season can be a stressful time. Mitigate financial risks during seasonal fluctuations with the flexibility of recourse factoring.
Payment Delays
Payment delays are frustrating! Don’t chase after your customers when a recourse factoring company can do it for you. Get paid sooner so you can focus on what matters.
Unexpected Events
In every business, a risk-mitigation strategy should be adopted to ensure unexpected events won’t hinder your business’s operations. Feel confident and secure cash on hand with a flexible recourse factoring agreement.
Business Reach $40M In A/R In Just 3 Years - REV Capital

How we helped this business reach $40M in A/R in just three years

When Arrow Group of Companies wanted to grow their operations. Their bank offered a line of credit with a limit so low, it wasn’t even enough to cover payables, let alone give them the funds they needed to expand.Lack of access to flexible capital was their most significant obstacle. REV Capital offered them a $5M factoring facility – with room for growth ...

Powering Diverse Industries With Recourse Factoring Solutions

REV Capital is proud to have provided recourse invoice factoring services for businesses across a variety of industries. We’ve helped everyone, from logistics companies to staffing agencies, get paid quickly for their hard work. The proof is in our success stories!

Get Funded
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You provide a product or service to your customer
Free ShippingOnline ChatCheckoutPay InvoiceInsurance
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You send your invoice directly to REV Capital
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We wait for your client to pay us per their terms
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We pay you up to 95% of your invoice value same-day
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We return the 5% holdback to you less a samll fee

Why Clients Choose Us

By far the best in the business. I have never worked with a company more responsive, professional and collaborative. Our Client Relationship Manager is always available even after hours and they are always trying to find solutions to save us money and time.
Sam Ibrahim
Star rating
Excellent customer service and great company to work with. We transferred our account from a different factoring company and it has been so much easier working with REV Capital.
Forte Freight
Star rating
The biggest reason we appreciate this company is their amazing staff. Always courteous and friendly, and their expertise is top notch. They value each and every one of their customers, and that comes across clearly. If I could give them a million stars,I would.
Cynthia C.
Star rating

Onboarding With REV

What You Need To Get Started

Some information about your business
Tell us a bit about your business and customers. We've probably served your industry before, but every business is unique! Like most financial institutions, REV requires standard KYC documents such as Articles of Incorporation, Business Licenses, IDs, and Financial Statements.
Basic details about your invoices
In order to purchase an invoice, REV requires the same documentation that your client needs in order to pay. This usually includes the invoice, confirmation, and proof of service.
A signed application form
Filling out an application couldn't be simpler. A few quick questions stand between you and cashflow freedom!

Qualifications

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B2B service provider
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Creditworthy debtors
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Clear audit trail
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North American customers
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Monthly volumes up to $10 M
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No consignment sales
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No pre-billing
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No liens on A/R
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No warranties
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No progress billing
Getting started couldn’t be simpler. Some changes are hard.
This one is easy.
Get Funded

Empower Your Business with
Recourse Factoring from REV

So, what is invoice factoring? With REV Capital, it’s the flexible financial solution that will unlock your business’s true potential. Whether you need extra cash to navigate seasonal fluctuations or to pay a growing staff, we’ve got you covered. 

Contact us today—we’re the recourse factoring company that works for you!

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FAQs About Recourse Factoring

What is recourse factoring?
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Factoring with recourse is when a business sells its accounts receivable to a factoring company. In this type of arrangement, your business will retain the responsibility for the payment of the invoices should your customers fail to pay the factoring company.

While there’s more risk to be assumed by your business, working with a recourse factoring company is often less expensive for businesses.

What’s the difference between recourse vs non-recourse factoring?
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What is an example of recourse factoring?
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Imagine your business provides a service for companies A, B, and C. After collecting invoices for those transactions, you sell them to a factoring company (REV Capital). REV Capital then collects from Company A and Company B, but is unable to secure payment from Company C. As such, you’d then be asked to buy back that uncollectible invoice.

How quickly can I receive funds through recourse factoring?
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Recourse factoring companies like REV Capital ensure speedy transactions to get your funds to you without unnecessary delays.

What fees are associated with recourse factoring?
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Generally, you will pay a flat fee ranging from 1% to 5% of the invoice value. The exact value will depend on the recourse factoring company’s pre-agreement risk assessment. Recourse accounts receivable factoring usually has lower fees.

Can I factor invoices for international transactions?
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Generally, we only factor in U.S. and Canadian currencies, but sometimes we make exceptions! Contact the REV Capital team for more information.

What happens if my customer doesn’t pay?
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In a recourse factoring agreement, you are ultimately responsible for a customer's non-payment. This comes with the trade-off of lower fees, making it a great choice for businesses whose clients have solid payment histories. However, it may therefore be less desirable for those whose customers have poor payment histories.

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