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Loan Amount $5,000 - $3,000,000
APR  (Fixed APR) Starting at 9%
(Verified 08/04/2023)
Minimum Months in Business 6
Minimum Revenue $100,000 Accounts Receivable Financing Review Accounts Receivable Financing is a business financing offering by, based in , . Founded in , offers access to small business loans in 50 states (and Washington, DC). Accounts Receivable Financing FAQ

What are Accounts Receivable Financing’s rates? Accounts Receivable Financing offers a fixed APR business financing product that ranges from 9% APR.

Does Accounts Receivable Financing charge an origination fee?

No, Accounts Receivable Financing does not charge a loan origination fee. A loan origination fee is what some lenders charge for processing, underwriting, and funding a business loan. Typically fees range from 0.5% to 5% of the loan amount. Whenever possible, go with lenders that don’t charge origination fees.

What limitations does Accounts Receivable Financing set on the purpose of the business loan? Accounts Receivable Financing considers business loan applications for business purposes, such as:

  • Business Debt Refinance
  • Emergency Repairs
  • Equipment Purchase
  • Hiring
  • Inventory
  • Lease Improvement
  • Marketing
  • New Location
  • Payroll
  • Product or Service Expansion
  • Technology Investment
  • Working capital

Does Accounts Receivable Financing charge prepayment fees?

Yes, Accounts Receivable Financing charges additional fees to borrowers who pay off their small business loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment penalties can reduce or even cancel the interest savings of repaying a business loan early.

How much can you borrow from Accounts Receivable Financing?

Business loan amounts start at $5,000 and go up to $3,000,000.

What is the maximum business loan term you can get with Accounts Receivable Financing? Accounts Receivable Financing offers small business loans with terms ranging from 3 to 36 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

What do you need to qualify for Accounts Receivable Financing?

Applicants with a credit score of at least 600 and up to 850 may be eligible for Accounts Receivable Financing. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Accounts Receivable Financing does not have or does not disclose a minimum annual income eligibility requirement.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Accounts Receivable Financing. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Accounts Receivable Financing.

To qualify, applicants may need to provide the following documentation:

  • Recent bank statements
  • Driver's license
  • Government issued photo ID
  • Proof of identity
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Hours of Operation

  • Sunday All Day
  • Monday All Day
  • Tuesday All Day
  • Wednesday All Day
  • Thursday All Day
  • Friday All Day
  • Saturday All Day

Other Services by


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Origination Fee
Business Financing Requirements
  • Personal Guarantee
  • Business Certificate
  • Business License
  • Business Bank Account
Credit Score Range 600 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Minimum Months in Business 6
Minimum Revenue $100,000
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Recent Bank Statements
Collateral Requirement Unsecured
Intended Use of Funds
  • Equipment Purchase
  • Lease Improvements
  • New Location
  • Product or Service Expansion
  • Working Capital
  • Business Debt Refinance
  • Inventory
  • Payroll
  • Hiring
  • Technology Investment
  • Other (All)
  • Marketing
  • Emergency Repairs
Approval Speed 1 hour
Payment Frequency Monthly
Payment Options
  • Automatic Payments
  • Check by mail
  • Credit/Debit Card
  • Bank Transfer
APR (Fixed APR) Starting at 9%
(Verified 08/04/2023)
APR Type Fixed APR
Loan Amount $5,000 - $3,000,000
Loan Term 3 - 36 months

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