45 DAYS
Invoice clock / receivables edition
The work is finished. The cash is still in transit.
Turn the wait between an approved invoice and customer payment into a visible timeline—without pretending every invoice, customer, or factoring agreement behaves the same.
Educational working model only. Not an offer, approval, or promise of funding.
Use map
Give the capital a job before giving it a payment.
Choose a use. The operating question changes with the job—not with a generic “best for” badge.
Selected job / D1
Payroll before collection
Labor is paid before a creditworthy customer settles the invoice.
Name the event that creates repayment—and what happens if it arrives late.
Operating sequence
What survives if the middle step takes longer than planned?
Invoice clock
Move the assumptions. Watch the obligation move back.
Model an advance, reserve, and simple fee against an invoice’s face value.
This deliberately simplified model excludes provider-specific fees, timing conventions, taxes, penalties, variable rates, reconciliations, and contract terms unless explicitly entered.
Working-model readout
$85,000
Cash advancedPressure test
Turn the uncomfortable part into the first question.
These are not accusations about a provider. They are recurring decision gaps worth resolving in the actual offer and agreement.
What owners can miss
Customer experience
Notice, verification, and collection behavior can affect a valued relationship.
“Who contacts the customer, when, and using what language?”
Comparison file
The offer is a system of obligations—not a headline number.
Put the same fields beside every option before deciding. Blank cells are questions, not permission to guess.
A complete comparison still cannot replace the final documents or professional advice appropriate to the transaction.
Check my Invoice Factoring options →Plain answers
Invoice Factoring, without the sales fog.
Structures and provider requirements vary. The signed agreement and applicable disclosures control.
01Is factoring the same as borrowing?+
Factoring is commonly structured as a sale of receivables, but agreements vary. Accounting, tax, legal, and recourse treatment should be reviewed for the actual transaction.
02What is the reserve?+
It is the portion of an eligible invoice not advanced initially. The agreement determines deductions and what is released after customer payment.
03What matters besides the fee?+
Customer notice, verification, recourse, disputes, concentration limits, reserves, lockboxes, minimums, and termination provisions can matter as much as the headline fee.
Model understood / potential paths next