Invoice Factoring

Quickly access working capital.

Online invoice factoring with Thor Capital Group enables your business to quickly access working capital in exchange for your unpaid invoices. With invoice factoring, also known as accounts receivable financing, you sell us your outstanding invoices at a discounted price in exchange for the net amount in cash, typically, between 70-90% of the invoice’s value, up to $100,000 per common ownership. Once your client makes payment, we’ll send you the remainder of the invoice’s value (minus our fee).

Invoice factoring is not the same thing as invoice financing. With invoice financing, you (the business owner) are responsible for collecting payment. With accounts receivable financing, your lender (that’s us) owns the invoice, and will get paid when the customer pays, typically between 30 and 90 days. We are not a collections agency—we know how important your customer relationships are, and you can trust us to collect on your invoice professionally.

Invoice Factoring Is Ideal For:

  • Businesses with long accounts receivable periods
  • Businesses who need to fill in the gaps between sending invoices and receiving payment
  • Invoices valued at $15,000+ with extended credit terms, and which are not more than 90 days past due

Who Can Benefit from Invoice Factoring?

Online Invoice Factoring Can Help Businesses In Most Industries, Including:

Restaurant Industry

Fast food, casual dining, fine dining, coffee shops, & more.

Construction Companies

Contractors, electricians, plumbers, specialty tradespeople, & more.

Medical Practices

Surgeons, psychiatrists, dermatologists, veterinarians, and all specialties.


Convenience stores, salons & spas, clothing stores, specialty stores, & more.


Metal manufacturing & machinery, food production, electronics, & more.

Business Services

Advertising, maintenance, equipment rental, computer programming, & more.
No matter what industry you operate in, our expert Funding Advisors will work closely with you to select the best funding option to help you achieve your business’s goals without sacrificing cash flow.

You’ll need three months of business bank statements and other financial records. For faster approval, grant us secure access to your bank account’s transactional data.


A Funding Specialist will reach out to you within 1 hour (during regular business hours) to complete your application and discuss your business funding options.


Once you and your Funding Specialist determine what funding option works for your business, your funds can be approved and deposited within 24 hours.


We’ll collect on your invoice professionally without compromising your relationship with your customer. Then we’ll send you the remaining value (minus our fee).

Will Your Business Qualify?

We know that your business’s credit score doesn’t tell the whole story—that’s why approval for online invoice factoring from Thor Capital Group is based on more than just your credit score. We focus on the overall health of your business, including:
  • Business revenue
  • Cash flow
  • Vendor payment history
  • Years in business
  • Public records

Why Get Funded By Thor Capital Group?

We are not a collections agency—we know how valuable customer relationships are to small businesses. Your success is what matters to us most, and you can trust us to tactfully collect on your invoice without jeopardizing your customer relationships. Our streamlined application and fast approval process make it easy for you to get accounts receivable financing, and our knowledgeable Funding Specialists will be beside you every step of the way.
Q: What type of business qualifies for an invoice factoring?
A: Any business that accepts credit and debit card payments may benefit from a merchant cash advance, regardless of industry. Our team of knowledgeable Funding Advisors will work with you to assess your eligibility.
Q: How do I qualify for an invoice factoring?
A: Every business is unique. It’s always best to speak with one of our Funding Advisors to review your circumstances and assess your eligibility. In general, we look for consistent revenue with minimum monthly receipts of $7,500 or more, and 6+ months in business. We know that credit scores don’t tell the whole story, so we also consider the overall growth potential of your business.
Q: What is the interest rate on an invoice factoring?
A: A merchant cash advance does not have an interest rate because it is not technically a loan. An MCA is an advance against future sales. The cost of the advance is called a “factor rate”, and it varies based on each business.
Q: Why should I consider an invoice factoring?
A: Most traditional banks consider construction companies high-risk and will not fund them. As an alternative lender, we have different approval requirements, and can approve funding for “high risk” industries. We can provide you with the funds you need to cover project expenses, labor, materials and more, often in less than 24 hours.

Are You Ready To Have Thor Capital Group Get You The Funding Your Business Needs?


What Our Customers Are Saying

Bezvalley Pest ControlBezvalley Pest Control
00:31 27 Apr 22
My experience with Thor Capital Group was pleasant beautiful!!, Daniel Wilson handled our loan extremely professional. Daniel was able to successfully completed our loan without any problems. We have no words to describe his advise and consultation work his done with my business Bezvalley Pest Control. Everything was so much streamlined and smooth it was just mind boggling to sit back and see how Daniel handled all our paperwork accurately from start to finish without any mistakes. We highly recommend Daniel Wilson and his company for any financial needs you might have , we give them 8-stars. THANK YOU DANIEL!!!!!
Rapid Credit BoostersRapid Credit Boosters
17:40 14 Jan 22
Such an outstanding company, got me over $300k on total, great payback options, so appreciative.
17:28 27 Apr 21
Very professional, excellent customer service. Ray is the best person I have ever dealt with. Very honest, does what he says he will do. I recommend this company for all your financial needs. Ray is the best but I'm sure you will get the same excellent care from others there in the company. If it can be done they will do it, if it can't be they will be honest and tell you it can't be done. Best company I have ever dealt with in the many many years I have been in business. Took care of us like we were family. Thank you Ray so much for what you have done for us!
Jack DayonJack Dayon
20:20 05 Mar 20
Clemy helped me get capital to expand my shipping business when my bank, Bank of America, couldn't. Great guy, great company! Highly recommended.
14:47 07 Jan 20
Fantastic service and professionalism had a bad experience with other companies and they really got to work and have me the best interest rates. Thank you! Would highly recommend