Invoice factoring · Finance broker
Turn your unpaid invoices into working capital to run your business today.
If your business invoices other businesses or the government and your customers pay in 30, 60 or 90 days, we help you find a factoring option that fits your invoicing and your customer profile.
- Service in English and Spanish
- Fast review
- Clear terms in writing
How we review your case
Every request gets a real review.
Before sending your case to a lender, we review your invoicing, the profile of your customers and your need for capital to identify which option may fit best.
No automated decisions, and no forms that simply end up in a database.
How it works
Step 1
A 15-minute call
We go over your invoicing, your customers and what you need.
Step 2
The lender's proposal
We send your case to the lender that fits best. You get the advance, rate and terms in writing.
Step 3
Funding, invoice by invoice
Once the account is approved and active, each eligible invoice can be advanced under the terms agreed with the lender.
For the call we'll ask for your A/R aging report and a list of your main customers.
Is it for your business?
Who it's for
U.S. businesses that:
- Invoice other businesses
- Invoice the government
- Invoice about $25,000 or more a month
- Usually get paid in 15–90 days
Main industries:
Staffing · Commercial cleaning · Facilities · Security · Distribution · Manufacturing · Consulting · Government contractors
Cases that usually need a different solution
- You mainly invoice consumers
- Your construction billing is by percentage of completion
- You mainly bill Medicare or Medicaid
- Your customers are mostly insurance companies
- You sell software or SaaS
- Your customers are outside the United States
These are Grupo Ruico's current criteria, not universal rules of factoring or of every lender.
Frequently asked questions
It's a form of commercial financing. Instead of waiting 30, 60 or 90 days for your customer to pay, you receive an advance on eligible invoices and, typically, the rest minus the fee when your customer pays. It's also called accounts receivable financing. The details depend on the lender.
It depends mainly on your customers, your volume, your payment terms and how the deal is structured. The lender sets the rate and terms in writing before you sign.
Yes. In factoring, your customers typically pay their invoices directly to the lender or to an account the lender controls. The process is handled professionally.
It typically doesn't work like a traditional loan. The financing is backed mainly by your accounts receivable and by the credit quality of the customers who pay the invoices. The exact structure depends on the lender.
No. We're a commercial finance broker: we review your case and send it to the lender that fits best. The lender sets the rate and terms.
Factoring typically works with invoices to other businesses (B2B) or to the government (B2G). Invoices to consumers typically don't fit this structure.
As a reference, the advance is usually between 80% and 95% of the invoice value, depending on the lender, the industry and the operation. The final amount depends on your customers, your volume and the lender’s terms.
Submitting a request to Grupo Ruico is not a financing approval. Any credit review or later requirement depends on the lender involved.
Does your business invoice other businesses or the government?
Answer a few questions about your invoicing and see if you qualify.