Turn unpaid invoices into working capital today.
Advance up to 90% of an invoice the same day you submit it. The remaining 10% releases when your customer pays — minus a transparent factoring fee.
No long-term contracts. Use it for one slow-paying customer or your entire ledger. Selective or whole-A/R structures, your choice.
Funding tailored to your business needs
Our invoice financing offers rapid, transparent financing to fuel your strategic goals.
90% advance, same-day funding
Submit an invoice in the morning, see 90% of its face value in your account by close of business — every time.
Approval based on your customers
We underwrite the creditworthiness of the businesses paying you, not just your own. Strong customers unlock larger advances.
Selective or whole-ledger
Finance one invoice at a time, or set up an automatic facility that advances every new receivable. Your choice, no minimum commitment.
No long-term contracts
Use it for one slow-paying customer or your full A/R ledger. Pause or cancel any time — no exit fees, no minimum volume.
North Lending agrees to provide loan products. You can trust transparency in every interaction.
We do not charge hidden fees or penalties. All terms disclosed upfront with full APR breakdown before signing.
Your data is processed in accordance with our privacy policy. Bank-level encryption applies at rest and in transit.
By accepting, you agree to repayment terms in the schedule attached, no daily debits.
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transparency
Businesses succeed with North Lending
“Our biggest customer pays Net-60 and a single invoice was $200K. North Lending got us 90% in 24 hours. Cash-flow problem solved without taking on a loan.”
“If you are a business that is looking for funding, I would recommend that you reach out to North Lending. It is so much easier, so much faster, and more of a partner with your business.”
“It was fast. It was easy. We had the kind of personalized service from a financing lender that we'd never experienced before.”
A transparent approach to business funding
North Lending's portal gives you complete visibility and control over your funding options. No hidden terms — just clear choices designed for your business.
Submit an invoice from your portal
Upload the PDF or sync your accounting software. We verify the receivable directly with your customer — typically same day.
Start ApplicationGet 90% advanced the same day
Once verified, 90% of the invoice value lands in your operating account by end of business. The remaining 10% (less fees) is held in reserve.
See your offersYour customer pays North Lending directly
Customer remits to a standard lockbox. They see no change in payment instructions other than where to send the check or wire.
Talk to an advisorReserve released when paid
Once your customer pays, the 10% reserve is released to you, less the transparent factoring fee. You keep your customer relationship intact.
Get fundedInvoice Financing
FAQs
Quick answers on rates, structure, and timing. Still have a question? Talk to a specialist.
- For factored invoices, yes — your customer sends payment to a North Lending lockbox. Notification is professional and standard. For non-notification financing on larger facilities, customers continue to pay you directly.
- A simple percentage of the invoice face value, accruing weekly until paid. A 90-day invoice at a 1.5%/month factoring rate costs 4.5%. No origination fees, no hidden charges.
- On recourse facilities (most common), you cover the unpaid amount after a grace period. On non-recourse facilities (available for credit-strong customers), North Lending absorbs the loss. Your advisor will recommend the right structure.
- Most businesses are approved and submitting their first invoice within 48 hours. Set up the facility once; advance individual invoices in two clicks after that.
- Typically $10K per invoice for standalone factoring, $1K with a whole-ledger facility. Your advisor will recommend the right minimum based on your A/R profile.
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Ready to fund your company's future?
Three minutes to apply. Soft credit pull only. Real, comparable offers — not estimates.