Invoice factoring is a form of working capital in which a business sells its outstanding invoices to a third-party factoring company in exchange for immediate payment. The factor typically advances a percentage of the invoice value—often 70 to 90 percent—then releases the remaining balance, minus a fee, once the customer pays. This is not a loan, but a sale of receivables, and it transfers the responsibility of collection to the factoring company. It is commonly used in industries where delayed customer payments create operational strain.

If your business has strong recurring income but lacks traditional collateral, cash flow financing can bridge the gap between opportunity and liquidity. It enables you to act on growth plans, cover high-volume orders, or invest in talent without delay. Rather than being held back by timing mismatches between revenue and expenses, you get the working capital you need when you need it.

At Aranea Capital, we understand the nuances of revenue-based underwriting and connect you with lenders who look beyond balance sheets. We help you present your financials clearly, choose partners who respect your business model, and secure terms that support—not restrict—your growth. You focus on performance; we’ll help open the doors.