Invoice Factoring
Lantern Capital arranges factoring facilities that match how your business invoices and gets paid, so you free up working capital without taking on new debt.
Factoring Structured To Fit Your Business
Waiting 30, 60, or 90 days to get paid can stall a business that is otherwise doing well. Invoice factoring turns your unpaid receivables into cash you can use now.
Factoring is not one product. The right structure depends on your customers, your industry, and how much control you want to keep. Lantern Capital arranges the facility that fits.
Factoring Structured To Fit Your Business
Working Capital Without New Debt
Free up cash tied in receivables without drawing on existing credit lines or taking on a loan.
Financing That Grows With You
Unlike a fixed loan, your funding scales with your receivables — the more you invoice, the more working capital you can unlock.
Funding Based on Your Customers
Approval rests on the strength of your customers' invoices, not your own credit history
Funding That Moves at Your Pace
Access working capital without long approvals or restrictive terms, so cash is there when the business needs it.
Stronger Cash Flow, Faster Growth
Convert unpaid invoices into immediate funds you can reinvest in operations, payroll, and expansion.
Protection Against Non-Payment
With the right structure, the risk of a customer failing to pay can shift to the factor, protecting your business from bad debt.
Frequently Asked Questions
What Is Invoice Factoring?
Invoice factoring is the sale of your unpaid receivables to a factor in exchange for immediate cash. Instead of waiting for customers to pay, you receive most of the invoice value up front, and the factor collects payment directly. Lantern Capital arranges factoring facilities structured around how your business bills and gets paid.
Is Factoring A Loan?
No. Factoring is the sale of an asset, your receivables, not borrowing. Because it does not add debt or a monthly repayment to your balance sheet, it is often a practical option for businesses growing faster than their cash flow allows.
What Is The Difference Between Recourse And Non-Recourse Factoring?
In recourse factoring, your business buys back any invoice the factor cannot collect, which keeps the cost lower. In non-recourse factoring, the factor takes on the risk of non-payment at a higher cost. Lantern Capital helps you weigh which structure fits your customers and your tolerance for risk.
Can I Factor Just One Invoice?
Yes. This is called spot factoring, and it lets you sell a single invoice without a long-term contract. It suits occasional or one-off cash flow gaps rather than an ongoing need.
Which Industries Use Factoring?
Almost any business that invoices other businesses and waits to get paid, including transportation, staffing, manufacturing, and distribution. This isn't a closed list. If your business bills on terms and waits on payment, factoring likely fits, whatever your sector.