Waiting 30, 60, or 90 days on invoices when payroll is due?
Invoice factoring
Invoice factoring is the sale of your outstanding receivables to a factor at a discount, in exchange for most of the invoice value up front. Instead of borrowing, you accelerate money you have already earned, which fixes timing gaps caused by long client payment terms.
Compared with taking on a loan, factoring leans on your customers' credit rather than adding debt. For B2B firms with reliable clients but slow cycles, that difference matters.
Los Altos hosts service and supply firms that bill on terms: staffing and consulting groups near First Street, contractors and trade suppliers serving hillside remodels toward Los Altos Hills, and vendors supporting the office corridor along San Antonio Road. When clients pay slowly, factoring keeps cash moving.
Imagine a commercial contractor finishing a project near Foothill Expressway but waiting two months on a client invoice. Factoring converts that invoice into working cash immediately, so payroll and the next job proceed without a stall.
We do not buy the invoices ourselves. As a broker, we match your receivables profile to factoring companies, then help you compare terms so the arrangement fits how your clients actually pay. That matchmaking speeds up access to the cash you are owed.
Explore other options on the Los Altos business loan hub, read our main invoice factoring page, or start at the Sunnyvale city hub.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
