Accounts Receivable Financing

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Funding Options 💵 Working Capital 📅 Term Loans 🔄 Line of Credit 🏗️ Equipment Financing 🌇 Bridge Loans 📄 AR / Invoice Funding About How It Works Reviews Industries Recent Deals Referrals Contact FAQ Calculator 📞 866-869-6790 Apply Now
Product Details

What Makes This Product Work for You

Everything you need to know about this financing solution.

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Get Paid on Invoices Immediately
Stop the 30-60-90 day wait. Submit your outstanding invoices and we'll advance up to 90% of the face value — today.
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Prepayment Discounts
Pay off early and earn significant savings. We offer prepayment incentives including up to 100% interest forgiveness depending on qualifications — no penalties, maximum savings.
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Up to 90% Advance Rate
Receive up to 90 cents on every dollar of eligible invoices, giving you immediate liquidity without waiting for customer payment cycles.
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No New Debt on Your Balance Sheet
This isn't a loan — it's your money, just faster. Invoice financing doesn't add debt to your balance sheet or affect your borrowing capacity.
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Credit Based on Your Customers' Credit
Approval is based on the creditworthiness of your customers — not just yours. Even businesses with imperfect credit can qualify if their customers are strong.
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Flexible — Use Only When Needed
Submit invoices on your schedule. There are no minimum volumes or ongoing commitments. Use the facility as much or as little as your cash flow requires.
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Works with B2B and Government Invoices
Our AR Funding Program handles invoices from other businesses, government agencies, and municipalities — any creditworthy payer.
The Process

Three Steps to Funding

Apply in minutes, hear back the same day, and get funded within 24 hours of approval.

1
Apply in Minutes
Fill out our simple online application in under 5 minutes. No documents required to check your rate. No hard credit pull.
2
Get Matched & Approved
Our team reviews your application same day. Submit before noon, hear back by end of business — guaranteed.
3
Funds in Your Account
Once approved, funds are wired directly to your business account — often within 24 hours of final approval.
Is This Right for You?

Find Your Perfect Fit

✅ Good Fit For...

  • ✅ B2B businesses with long customer payment terms
  • ✅ Staffing and professional services firms
  • ✅ Government contractors awaiting payment
  • ✅ Businesses with strong customers but cash flow timing gaps

⚠️ Consider Alternatives If...

  • ⚠️ B2C businesses (retail, restaurants) without invoiceable receivables
  • ⚠️ Businesses without outstanding invoices or receivables
⭐ 4.9 out of 5 on Trustpilot
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Read all reviews on Trustpilot ↗
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We had a great experience working with Ron & Dan. No pressure, no gimmicks, just clear and honest communication. They are hands down the best. Truly refreshing, straight shooters who get the job done and genuinely help small businesses succeed.
✓ Verified Trustpilot Review — December 2025
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Having been in business for 30 years I can attest that Cheddar is an excellent small business resource. I highly recommend Dan and his team.
✓ Verified Trustpilot Review — February 2026
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These guys could not make the process any easier! I literally applied for my loan yesterday and I have already been funded. I would highly recommend them to anyone.
✓ Verified Trustpilot Review — November 2024
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I’ve had the privilege of dealing with Cheddar Capital many times over the last 10 years. Dan and Ron are fantastic — they’ll answer your questions and find you the best loan with the attention as if you’re their only client.
✓ Verified Trustpilot Review
Get Started

Ready to Get Funded?

Takes 5 minutes. No documents needed to check rates. No hard credit pull. No personal guarantee required.

🔒 Your information is 100% secure. No hard credit pull. No spam.
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Before You Go — What’s Holding You Back?

Most businesses qualify with $75K+/mo in revenue and at least 1 year in business — no pressure, no hard pull.

✅ Check If I Qualify — 60 Seconds

Disclaimer: Cheddar Capital Partners keeps its information as accurate and as up to date as possible. This information can be different than your financial institution offerings, products, or services. All pre-qualified offers and approvals are subject to credit review and final underwriting. If you find discrepancies with your credit score or information from your credit report, please contact Experian® or Equifax® directly. Commercial mortgages are not available in the state of California.

*Subject to underwriting and credit approval, not all applicants qualify for same day funding.