Invoice Factoring Turns Unpaid Invoices Into Cash

The process of invoice factoring involves leveraging unpaid customer invoices towards an advance in order to access immediate funding. We take care of your unpaid invoices, while you receive funding in order to meet obligations, or expand your business. Up to 100% of the invoice value, no personal credit requirement & low documentation requirements.

What Is It,
And How Does It Work?

Sell your unpaid invoices to us in exchange for a large lump sum of cash. From there, we take care of debt collection on your behalf, while you focus on your business goals. Once an invoice has been paid, you pay a small remaining balance.

This is really handy for customers who haven’t paid up on time. We get our funds, and Essential handles the collection.

Simply fill out an application, and our team will begin the review process so you can receive funds in as little as 24 hours.

key benefits

Why Choose Invoice Factoring?

Quick capital

Use outstanding invoices to generate capital that can be used to cover expenses, manage cash flow, or invest in new opportunities.

Avoid collections

Factoring puts the responsibility of collections on the lender, meaning you receive your funding, while they do the important legwork.

Cash management

Gain immediate access to capital in order to improve existing cash flow, all through the power of outstanding customer invoices.

Rates are Based on

Credit score and profile

Time in business

Monthly revenue

Industry

How to Apply

Apply Today,
Get Funded Fast!

Our application process is quick, smooth and easy. Receive your funding in no time, simply by following the three steps listed right here:

Make sure to fill out an application with your pertinent company details, and submit to use for review.

Our team will review your application for approval, in as little as 24 hours.

Once approved, we’ll release your funds so you can continue growing your business.

BEFORE YOU APPLY

Are We a Match? Check Our Requirements.

Your Application

A completed application with necessary details about your company, merchant & industry.

Proof of ID

A driver’s license or similar form of ID, plus proof of address to verify your identity for final approval.

Bank Details

3-6 months worth of recent bank statements, or a secure link to your business bank account

Voided Check

A voided check for final approval of all details, so we can guarantee proper setup of your account.

Frequently Asked Questions

Essential Capital Solutions is an alternative third party lender that offers funding solutions for small to medium-sized businesses. Our objective is to provide the kinds of funding solutions that are flexible, convenient and affordable, without having to deal with the inconveniences and higher requirements of a bank or other traditional lending source. 

We offer a number of convenient and attractive financing solutions, including business loans, lines of credit, equipment financing, mortgage financing, term loans, invoice factoring, purchase order financing, and even assistance obtaining SBA loans. We will help you determine which service is best for your company’s needs.

We abide by all applicable laws, both state and federal, including licensing and disclosure requirements. We are fully licensed and registered within all states we operate within, and conduct our business in accordance with all guidelines and laws.

Essential Capital Solutions is an alternative third party lender for companies who cannot, or wish not to do business with traditional lenders, such as banks. We offer competitive and convenient financing services that are more attractive to businesses, with quicker approval times.

Your personal details and information are shared internally with our staff in order to guarantee that they are delivering the best service to you. We do not sell your information to third parties or brokers.

All details of your company information and financial records are never shared with third parties. We also house all data in a secure and encrypted server using AES-256 encryption technologies.

We employ several tools to guard against fraud, including two-factor authentication, fraud detection algorithms, and client verification systems and records designed to ensure nobody is using your data fraudulently.

All of your data is backed up within a secure and encrypted server using AES-256 encryption technologies. We also do background checks to ensure that your company information is not being used for fraudulent purposes, such as identity theft.

The amount of funding you can receive for your business is dependent on the type of loan you would like, as well as ancillary criteria regarding your business operations, such as finances and earning consistency. We will always work with you to determine the best amount you require for your needs.

Upon approval, you may receive your funding in as little as 24 hours.

This depends largely on the type of financing you wish to obtain. For instance, if you would like a line of credit for your business, you are not limited by the amount of transactions, but by the maximum amount your line of credit allows for.

The terms of your repayment structure are calculated based on certain criteria about your business, as well as your funding type. Rest assured, we offered some of the most convenient repayment structures in the business.

This will vary depending on the type of financing you want. Factors such as credit score, income stability, employment history, and debt-to-income ratio are considered. Specific requirements will be outlined during the application process.

Yes! We even offer financing solutions that will help you repair your credit, while at the same time accessing the funding you need to overcome your challenges.

Depending on the funding you wish to obtain, there may be application fees, origination fees, or other associated costs. These will be clearly outlined in your agreement, and we strive to maintain transparency regarding all fees.

If you feel like you will miss a payment, please contact us directly. We understand that unforeseen circumstances may arise, and we can help you by providing options to avoid issues with your agreement.

Yes, you may always complete your repayments earlier than scheduled. Check your agreement for specific details regarding repayment options.

We will require proof of identity, income verification (such as pay stubs or tax returns), and possibly other financial documents. Our application process will guide you through the necessary steps.

Send e-mail to us for other questions

Testimonials

Hear from our
Successfully funded clients

A bank loan wasn’t really an avenue we wanted to go down, so we chose Essential instead. Process was easy, application got approved really fast and we were back on track. We were skeptical, but not anymore!

David Griffith Fringilla urna

Hear from our
Successfully funded clients

A bank loan wasn’t really an avenue we wanted to go down, so we chose Essential instead. Process was easy, application got approved really fast and we were back on track. We were skeptical, but not anymore!

David Griffith Fringilla urna

Hear from our
Successfully funded clients

A bank loan wasn’t really an avenue we wanted to go down, so we chose Essential instead. Process was easy, application got approved really fast and we were back on track. We were skeptical, but not anymore!

David Griffith Fringilla urna

Hear from our
Successfully funded clients

A bank loan wasn’t really an avenue we wanted to go down, so we chose Essential instead. Process was easy, application got approved really fast and we were back on track. We were skeptical, but not anymore!

David Griffith Fringilla urna
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