Financing/AR loan
AR Loan (Accounts Receivable)
Short-term business capital secured by outstanding invoices—structured to unlock cash flow while customers pay, with underwriting focused on receivable quality and operational discipline.
Program snapshot
Focus
Accounts receivable financing
Use case
Working capital & cash-flow bridge
Collateral
Eligible outstanding invoices / AR
Borrowers
Operating businesses · B2B sellers
Program guidelines
Published product parameters for this program. Final terms depend on underwriting, collateral, and documentation.
Loan purpose
- Advance working capital against eligible accounts receivable
- Support B2B operators bridging the gap between delivery and customer payment
- Provide short-term liquidity for payroll, inventory, suppliers, or growth needs tied to invoice collections
Common scenarios
- Convert open invoices into operating cash without waiting for full collection cycles
- Stabilize cash flow during seasonal billing or large enterprise payment terms
- Fund near-term obligations while preserving customer relationships and payment timing
Underwriting priorities
- Quality, aging, and concentration of the receivable book
- Debtor credit profile and historical collection performance
- Business operating history, revenue consistency, and repayment capacity
Execution approach
- Clear documentation path for invoice schedules and verification
- Milestone-based review from application through funding and monitoring
- Structure aligned to collection timing—not a one-size consumer personal loan
Key features & detail
AR Loan is designed as a commercial / business-purpose cash-flow bridge. Final advance rates, eligibility, and monitoring terms are set in underwriting.
- Typically oriented around B2B invoice-backed liquidity needs
- Receivable schedules and verification support the funding request
- Terms, structure, and eligibility are subject to underwriting and lender approval
Need help choosing a program?
Share the property, timeline, and target proceeds—we will map the fit before you invest in a full file.
Illustrative only. Availability, pricing, and documentation depend on the property, the borrower, and credit approval. This page is not a commitment to lend.