Factoring · For business owners

Invoice factoring and receivable financing in Atlanta

Do You Need Funding?

Many small businesses win government and commercial contracts, then struggle to perform for lack of working capital. SBA loans and grant programs often turn down businesses that don't meet strict criteria. Through our funding partners, S.A.F.E. connects small businesses with alternative financing so they can deliver, get paid, and grow.

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Financing options

Capital based on the work you have won.

Accounts receivable financing

Also called invoice factoring. Turn outstanding invoices into immediate cash to keep payroll and operations moving.

Purchase order financing

Pay your suppliers on an awarded contract before your customer pays you.

Revenue-based financing

Flexible capital sized to your revenue, without traditional loan restrictions.

How receivable financing works

You do the work and invoice. Your customer owes you on normal terms, often 30 to 90 days.

You receive an advance. Most of the invoice value is advanced to you up front, instead of waiting on the customer.

Your customer pays the invoice. Payment goes to the funding account on the original terms.

You receive the balance. The remainder is released to you, less the financing fee.

Who can benefit

—Businesses short on cash flow after winning a contract
—Vendors needing working capital to fill purchase orders
—Purchasing managers who need reliable small-business suppliers
—Companies turned down by SBA and traditional loan programs

What to expect

—A quick approval process, without lengthy bank delays
—Approvals based on revenue and contract value, not perfect credit
—Flexible terms; fees depend on invoice size, terms, and your customer's payment history
—Have your invoices, purchase orders, or contracts ready to review

If you or a business you work with is facing funding challenges, email us to explore your options.

Email admin@joinsafe.org

Questions

Frequently asked.

How does invoice factoring work?

You invoice your customer, receive most of the invoice value up front, your customer pays on normal terms, and you receive the balance less the financing fee.

Can I get business funding if the SBA turned me down?

Accounts receivable financing, purchase order financing, and revenue-based financing are based on your revenue and contract value rather than perfect credit. Email admin@joinsafe.org to explore your options.