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Invoice Factoring through Lends Well

Apply in as little as 6 minutes and hear from a dedicated loan specialist within one hour.


Receive 85–90% of the invoice amount upfront 


Rates as low as 0.25% per week 

Lines up to $5M

Applying won’t affect your credit score!*

Is Invoice Factoring right for my business?

Invoice factoring lets you sell your outstanding invoices to unlock funds that you need to run and grow your business. Receive up to a 90% advance on unpaid client invoices, and then get the rest of the money - minus the factor’s fees - when your client pays its invoice. Unlike some factors that lock you into restrictive contracts, Lends Well lending partner offers “spot factoring,” meaning you can choose when and which invoices to factor.

Apply in as few as 6 minutes and your dedicated Account Manager will work with you to see if invoice factoring is a good fit for your business.


Since 2011, Lends Well has helped businesses in over 700 industries access the capital they need.

Over $10 billion lent to 50,000 small businesses globally.

Pros and Cons of Invoice Factoring


  • An easy and fast way to get financing for your business

  • Qualify for financing largely based on your cash flow and clients’ credit (or ability to pay back invoices)

  • You can increase cash flow right away and don’t have to wait for customers to pay you back

  • Money on hand to can allow you to take advantage of opportunities


  • Fees based on time to invoice repayment

  • Some companies lock you in with exclusivity clauses or require you to factor every invoice

  • Can be expensive compared to other forms of financing

You deserve better business finance

Lends Well was created with a big idea: to revolutionize the outdated lending system and build a better deal for small businesses. With one 6 minute application we can help you find the right financing options for your needs, from lines of credit to term loans, cash advance and even Small Business Administration (SBA) loans.

Let's get started.


Start your online application

Apply online in 6 minutes with one simple application.


Review your options

Your dedicated Account Manager will contact you as soon as possible to review your needs and help you find the best funding option for your business.


Get funded

Get a decision in as little as 24 hours and funding as soon as the next day accepting an offer.

Invoice Factoring Frequently Asked Questions

1 If your business is organized as a general partnership, your credit score may be impacted.


2 For the most credit-worthy applicants, LIBOR rate will be applied.


3 Subject to credit approval. Interest rates vary and are determined by the applicant’s credit profile.


4 Approval and funding times may vary by lending partners.

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