Waiting on customer payments shouldn't stall payroll or a supplier order. Sebastian businesses use accounts receivable financing to convert outstanding invoices into cash within a few business days, without waiting on a customer's payment terms to run their course.
Accounts receivable financing
Accounts receivable factoring transforms unpaid invoices into immediate operating funds. You sell your receivables to a factoring company at a discount, receiving 70 to 90 percent upfront. The factor collects from your customer, then remits the balance minus a fee. This structure prioritizes speed over cost, making it ideal for Sebastian businesses when payroll, inventory orders, or supplier deposits cannot wait on customer payment cycles. Unlike a traditional loan, approval leans heavily on your customers' credit profile rather than your own, which is why newer or credit-challenged businesses with strong B2B receivables can often still qualify. Rates are typically quoted as a discount percentage rather than an APR, and contracts can run month-to-month or lock in a longer commitment depending on the factor and your invoice volume.
A revolving line gives you a ceiling, you draw only what you need, and interest accrues solely on the outstanding balance. Timberfield Capital Group brokers these arrangements for Sebastian businesses, simplifying documentation and matching you with lenders whose underwriting fits your industry and cash-flow rhythm.
As a licensed commercial broker at 4951 Babcock St, Palm Bay, FL 32905, we compare factoring rates and advance percentages across multiple funders serving Sebastian, then present offers side by side so you can weigh advance rate against fee structure and contract length. Some factors specialize by industry — trucking, staffing, and manufacturing each have funders that understand the specific invoice cycles and dispute patterns common to that trade — so matching you to the right factor, not just the cheapest one, is a meaningful part of getting a workable deal. Call (321) 641-6951 to discuss your receivables and get matched to the right factor.
Because Timberfield Capital Group works as a broker, we compare programs across multiple lenders rather than pitching a single in-house product. Our documentation-made-simple approach means you gather financial statements and tax returns once, and we present your file to the institutions most likely to approve your structure.
Accounts receivable financing
We start with a conversation at our Palm Bay office, a short drive north on US Highway 1 from Sebastian, to understand your cash-flow pattern, existing obligations, and growth plans. Next, we assemble the lender package: recent bank statements, profit-and-loss summaries, accounts-receivable aging if applicable, and a brief narrative explaining how you will deploy the line.
Once we identify the best fit, we guide you through any additional documentation requests and coordinate closing. You receive a credit facility you can tap by check, transfer, or card, depending on the lender's platform.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Why Palm Bay owners trust Timberfield Capital Group
