Turn unpaid invoices into working capital today
Factor eligible B2B receivables for advances of 75–90% within days of invoicing — so growth, payroll, and supplier obligations aren't held hostage by 30, 60, or 90-day customer terms.
Built around real commercial flow
Same-week funding
Advances typically released within days of invoice verification, not weeks.
Scales with sales
As your receivables grow, your available funding grows with them.
Recourse or non-recourse
Structures aligned to buyer concentration and credit appetite.
B2B and government
Commercial and public-sector buyers across US, UK, EU, and Canada.
Every engagement follows the same disciplined path — from first conversation to funded facility.
- 1
Submit a sample of recent invoices and buyer details for review
- 2
Qualiteq verifies buyers, sets an advance rate, and outlines fees
- 3
Once approved, you assign eligible invoices and receive advances
- 4
Your customer pays Qualiteq per the original invoice terms
- 5
The reserve, net of fees, is remitted back to you on collection
A $250,000 invoice, factored
You sell to a creditworthy commercial buyer on Net 60 terms. Qualiteq advances most of the invoice today and remits the reserve, less fees, when your customer pays.
Illustrative only — actual advance rates, fees, and terms vary by transaction.
- Invoice issued to commercial buyer (Net 60)
- $250,000
- Advance to you at 85%
- $212,500
- Reserve held
- $37,500
- Buyer pays Qualiteq on day 55
- $250,000
- Factoring fee (example, ~2.0%)
- ($5,000)
Frequently asked
- How is invoice factoring different from a bank loan?
- A bank loan is sized to your balance sheet and historical financials. Factoring advances capital against specific invoices owed by creditworthy buyers — so funding scales with your sales, not just your financial statements.
- What advance rate can I expect?
- Advance rates typically range from 75% to 90% of the invoice face value, with the remainder (less fees) released when your customer pays.
- What buyer profiles do you factor against?
- Established commercial and government buyers in the US, UK, EU, and Canada whose payment performance and creditworthiness can be evaluated.
- Is this recourse or non-recourse?
- We offer both structures. The right fit depends on buyer concentration, credit quality, and your tolerance for credit risk on individual receivables.
Ready to discuss a transaction?
Initial reviews typically returned within 48 hours.