Invoice factoring converts your outstanding invoices into working capital within 24 to 48 hours, letting Bath businesses access cash tied up in slow-paying accounts receivable without waiting 30, 60, or 90 days for customer payment.
Invoice factoring
Invoice factoring turns unpaid B2B or B2G invoices into immediate operating capital by selling those receivables to a factoring company at a small discount. You receive 70 to 90 percent upfront, the remainder minus fees once your customer pays, and funding decisions happen in hours instead of weeks.
Manufacturing shops, freight carriers, staffing agencies, and contractors working near the Bath Township offices on Webster Road benefit most. Seasonal cash-flow swings and long payment cycles drain reserves fast. Factoring lets you meet payroll, restock inventory, and bid new jobs while outstanding invoices age. Because approval hinges on your customers' creditworthiness rather than your balance sheet, startups and companies rebuilding credit qualify when traditional banks say no.
Orchard Business Capital connects Bath businesses to a national network of factoring providers. As a licensed commercial-loan broker, we compare terms, negotiate advance rates, and accelerate the underwriting process so you fund faster. No single lender sees every deal the same way; our job is matching your invoice portfolio to the funder who moves quickest.
Speed and cost transparency define our brokerage model. We disclose every fee structure upfront so you know exactly what percentage of each invoice you keep and how recourse versus non-recourse terms affect your liability.
Bath businesses operate on tight margins. A landscaping contractor serving residential subdivisions off Chandler Road cannot afford surprise charges or hidden minimums. We lay out the factoring agreement in plain language, compare multiple offers side by side, and push funders to finalize contracts within 48 hours of your first call to our Lansing office at (517) 516-7633.
Our broker network includes funders who specialize in trucking, manufacturing, staffing, and wholesale distribution. That specialization means faster credit checks on your customers and higher advance rates. Visit our main invoice factoring page to explore industries we serve, or contact our team at 7201 W Saginaw Hwy, Lansing, MI 48917 to discuss your receivables today.
Invoice factoring
Initial approval takes one to three business days once you submit an application, customer list, and sample invoices. After the factoring company verifies your customers' payment history, funding arrives within 24 hours of invoice submission. Repeat transactions close even faster, often same-day wire transfer.
Turnaround depends on invoice quality and customer credit. Clean receivables from creditworthy commercial clients near Lansing fund faster than disputed invoices or customers with spotty payment records. Orchard Business Capital pre-qualifies your portfolio before formal submission, eliminating wasted days chasing deals that will not close.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
