Accounts receivable financing is a working capital method where businesses use their outstanding invoices as collateral to secure funding. Unlike invoice factoring, this option does not involve selling the invoices or transferring customer communication. The business retains ownership of the receivables and remains responsible for collecting payment from its clients. Lenders typically advance a percentage of the total receivables and are repaid as collections come in, often with interest or a service fee.

If your business delivers value upfront but waits on long payment terms, this form of working capital helps you stay liquid without disrupting customer relationships. It allows you to access funds quickly while keeping full control of your billing and collection process. You get the working capital you need without signaling to your clients that external financing is involved.

At Aranea Capital, we refer you to financing partners who specialize in receivables-based funding with respectful, founder-friendly terms. We help you find solutions that align with your cash flow rhythm, minimize risk, and give you the flexibility to reinvest in your business. With us, you are not navigating lender options alone—you are making confident decisions backed by trusted expertise.