Turn Unpaid Invoices into Same-Day Working Capital
Stop waiting 30-90 days for clients to pay. Divine Equity’s invoice financing provides up to 90% advances on outstanding invoices—no loans, no debt, and no personal credit checks.
Turn Unpaid Invoices into Same-Day Working Capital
Stop waiting 30-90 days for clients to pay. Divine Equity’s invoice financing provides up to 90% advances on outstanding invoices—no loans, no debt, and no personal credit checks.
How Invoice Financing Works
We match you with the best funding solutions for your franchise:
Step 1: Submit Qualified Invoicess
Upload B2B invoices ($10K minimum) for completed work with net-30/60/90 terms via our secure portal.
Fact Check: Only commercial invoices eligible (no consumer debts).
Step 2: Receive Funds
Get 80-90% of invoice value wired to your account.
Example: $50,000 invoice → $45,000 same-day advance.
Step 3: Client Pays & You Get Balance
We collect payment; you receive remaining 10-20% minus a transparent fee (1-5%).
Industry Standard: Fees based on client creditworthiness and payment terms.
Key Benefits
Solve Cash Flow Gaps Without Debt
Not a loan—sell invoices to access capital
Avoid dilution from equity investors
High Approval Rates
Bad credit (500+ FICO) accepted
Based on client credit, not yours
Invoice Financing vs. Alternatives
vs. Business Loans
Speed: 24h vs. 30+ days
Credit Impact: No hard inquiry vs. credit check
Data: Federal Reserve reports 67% of small businesses choose factoring for speed.
vs. Merchant Cash Advance
Collateral: Invoices vs. future sales
Cost: Lower effective rates (avg. 3% vs. MCA’s 20-50% factor rates)
How It Works
1️⃣ Apply Online – 5-minute pre-qualification.
2️⃣ Get Matched – Expert reviews your best options.
3️⃣ Receive Funds – Fast approvals.
How Invoice Financing Works
We match you with the best funding solutions for your franchise:
Step 1: Submit Qualified Invoicess
Upload B2B invoices ($10K minimum) for completed work with net-30/60/90 terms via our secure portal.
Fact Check: Only commercial invoices eligible (no consumer debts).
Step 2: Receive Funds
Get 80-90% of invoice value wired to your account.
Example: $50,000 invoice → $45,000 same-day advance.
Step 3: Client Pays & You Get Balance
We collect payment; you receive remaining 10-20% minus a transparent fee (1-5%).
Industry Standard: Fees based on client creditworthiness and payment terms.
Key Benefits
Solve Cash Flow Gaps Without Debt
Not a loan—sell invoices to access capital
Avoid dilution from equity investors
High Approval Rates
Bad credit (500+ FICO) accepted
Based on client credit, not yours
Invoice Financing vs. Alternatives
vs. Business Loans
Speed: 24h vs. 30+ days
Credit Impact: No hard inquiry vs. credit check
Data: Federal Reserve reports 67% of small businesses choose factoring for speed.
vs. Merchant Cash Advance
Collateral: Invoices vs. future sales
Cost: Lower effective rates (avg. 3% vs. MCA’s 20-50% factor rates)
How It Works
1️⃣ Apply Online – 5-minute pre-qualification.
2️⃣ Get Matched – Expert reviews your best options.
3️⃣ Receive Funds – Fast approvals.
Frequently Asked Questions
We understand you might have some questions
What if my client doesn’t pay?
With recourse factoring (standard), you repay the advance. Non-recourse options (higher fee) protect you
Can I select which invoices to finance?
Yes choose specific invoices with spot factoring.
Do you fund startups?
Yes! 6+ months in business required.
Related Services
Equipment Financing
Purchase machinery/vehicles with loans or leases tailored to your industry.
Business Funding
Custom capital solutions to fuel growth, cash flow, and operational needs.
Divine Equity All Services
View All the services Divine Equity has to help you.
Why 500+ Clients Choose Divine Equity
Fast approvals
Flexible Funding solutions
Expert Guidance
High Approval Rates
Lets get started
1. Consult: Tell us your goals (business, property, or both)
2. Match: We align you with the right services.
3. Execute: Get funded, compliant, and operational.
© 2025 Divine Equity - All Rights Reserved,
© 2025 Divine Equity - All Rights Reserved,