Turn Your Receivables into Working Capital

Don’t Wait on Invoices to Meet Your Business’ Demands

In addition to Cent Banc’s direct line of credit fund, our relationships with the most competitive asset-based lenders and investors allow you to borrow against your business’ accounts receivable and access capital without waiting for your invoices to be paid.

Accounts Receivable Financing offers a flexible financing option by leveraging your open invoices to access cash in advance against payments due from your clients and customers.

Line Amount

$50,000 – $1,000,000


1 Year

Interest Rates

As Low as 4.50%


As little as 3 weeks

Accounts Receivable Financing Benefits

  • Access Working Capital
  • Purchase Inventory & Raw Material
  • Execute Renovations & Improvements
  • Meet Payroll and Accounts Payable Expenses
  • Accelerate Business Growth

Get The Best Rates and Terms for Your Accounts Receivable Line of Credit

We advise, structure, and build your loan package and then shop to over 50 Financial Institutions to get you the best terms available.

How Does Accounts Receivable Financing Work?

Accounts receivable (“A/R”) financing is a process where businesses collateralize its receivables– outstanding invoices or money owed by clients and customers– in a financing agreement. In exchange, the business receives financing in an amount that equals a reduced value (usually around 80%) of the unpaid invoices or receivables.

In addition, the amount of financing a business can secure against their accounts receivables will depend on the age of the actual receivable. For instance, most lenders may only consider receivables that are due within 90 days– any accounts that are payable in 90+ days might not be considered because these invoices present too high of a risk factor.

Lenders may also consider “heavy concentration” of a single client or customer’s outstanding balance in relation to a business’ total accounts receivable amount. For example,  if a business has $250,000 in total A/R, and one client constitutes $65,000 of that $250,000 (26%), this amount could be excluded from the lender’s calculations in determining the line of credit amount. Lenders typically will not include a single client’s A/R amount if it is 25% or more of the total accounts receivable.

Lenders have their own sets of underwriting guidelines and many lenders are more aggressive with their Accounts Receivable financing requirements than others. Every business also has unique financial conditions and cash flow needs; where a higher credit line amount may be more important to one company, more favorable repayment and renewal terms may be a higher priority to another. Cent Banc specializes in offering customized solutions for your business through our in-house fund or in partnership with the industry’s most competitive business capital providers.

Contact us for a full evaluation so we can help improve your business’ bottom line.

Advantages of Accounts Receivable Financing

  • Access capital that is tied up in open invoices.
  • Transfer the default risk from open invoices associated with accounts receivable to the lender.
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