accord services asset lending hero 2

Can Accelerate
Your Cash Flow


Accounts receivable are usually the first asset a company seeks to monetize through financing.

Accounts receivable financing is an asset-based loan that is a great alternative to bank financing for small and medium-sized enterprises (SMEs) looking for maximum flexibility. Accounts receivable loans and other financing methods can unlock the value of the accounts receivable you have earned but have not yet collected.

Instead of waiting until the customer pays their invoice, which can take 30-90 days, Accord can advance up to 90% of the face value of your outstanding invoices. Accounts receivable financing frees up cash for everyday operating expenses and expansion.

As a small or medium-sized enterprise—regardless of the industry you serve—a lot of your business’ capital is likely “locked up” in your accounts receivable.

AR financing can be the solution you need to get ahead of financial difficulties, grow your business, or solve your liquidity needs. This means your own receivables can provide you with the liquidity required for your success.


In an accounts receivable financing agreement, the lender advances a portion of the value of the outstanding invoices on your company’s balance sheet in exchange for a fee. Your company can then use the cash to cover expenses or invest in growth opportunities.

AR financing may be the answer if your company:

  • Did not qualify for financing from a bank
  • Is in need of financing to grow quickly or expand
  • Is transitioning to overcome challenges
  • Is trying to fill gaps in the cash flow cycle by constantly negotiating with customers and suppliers
  • Has large customer concentrations
  • Faces seasonal A/R fluctuations or other challenges

Whether you are a manufacturer, wholesaler, distributor, professional services company or importer / exporter, if you need from $1 million up to $20 million, our asset-backed accounts receivable financing service can help you thrive.

An asset-based loan from Accord backed by receivables and other assets is an excellent way to leverage your assets to help you succeed. You can start with financing as low as $1 million and grow the facility up to $20 million.


Whether your business is young and growing, mature, or undergoing a difficult transition, AR financing allows you to:

  • Benefit from financial flexibility, without restrictive covenants
  • Grow your credit line with the pace of your sales
  • Provide your good customers with extended payment terms
  • Thrive even with large customer concentrations
  • Take advantage of discounts and special buys offered by your suppliers
  • Focus on your business instead of chasing your customers to pay more quickly
  • Finance your eligible foreign receivables
  • Worry less about cash flow, unpaid invoices and other business expenses

Accounts receivable financing provides financial flexibility. As your revenues grow—the facility can grow with you.

Accord is client-focused and technology driven. You will have real-time access to your account information and activity. You can also benefit from professional credit advice.

Our experienced team has worked with companies in virtually every industry. We understand the challenges you face and can craft the asset-based solution that’s best for you.

As our relationship grows, our ability to adapt and respond to your evolving needs and circumstances grows, too. Once we get to know your market, your sales pattern, and your team, we can help you grow with cost-effective financing solutions.

accord services ar financing faq 3

Frequently Asked Questions

Accounts receivable financing, also known as invoice financing, is a type of business loan where the lender provides an advance on the business’ unpaid invoices to eligible customers, (typically less than 90 days old) in order to provide the business with additional working capital.

Accounts receivable financing has the major advantage of providing the money for the goods and services you sold on terms. However, it is important to note this also means that the company’s accounts receivable are no longer eligible to be used as collateral for other loans, such as a line of credit.

Due to its flexibility and lack of financial covenants, receivables financed via an asset-based loan may carry a higher cost than a typical conventional bank loan. An asset-based lender will also require copies of selling documentation due to the reliance on the value of the financed asset and not on the strength of the balance sheet.

Accounts receivable financing rates vary greatly from one transaction to the next. Typically, rates are based on the advance rate required, the level of risk, and the size of the facility.

Accounts receivable financing is a loan against accounts receivable, whereas factoring involves the sale of your accounts receivable to a factoring company. When compared to these loan facilities, factoring companies can offer additional services, and can administer your accounts receivable. Factoring can also be structured as an off-balance sheet obligation.

Accounts receivable financing can free up cash to invest in your small business growth. Contact us to learn how you can take advantage of accounts receivable financing for your small business or startup.

It is always best to work with an experienced accounts receivable financing company, like Accord Financial, that has a successful track record working with companies across many industries. We can structure an accounts receivables finance solution according to your business’ unique needs. Contact us to learn more about accounts receivable financing for your business.