Get Paid on Your Invoices Today — Not in 30, 60, or 90 Days
IFXI helps B2B companies stop waiting on slow-paying customers. Advance rates of 80% to 95%, funding in as little as 24 hours, and no debt added to your balance sheet.
- ✓No debt. No collateral. Factoring converts receivables you've already earned — not a loan.
- ✓Approval based on your customers' credit, not your personal score. Startups and poor-credit owners qualify regularly.
- ✓Transparent pricing from 1% to 3% — no hidden fees, no long-term contracts, dedicated US-based account manager.
Get Your Instant Factoring Quote
Executive Summary: Invoice Factoring Company
What IFXI does: IFXI is an invoice factoring company that converts unpaid B2B invoices into same-day working capital. Clients receive an advance of 80%–95% of the invoice value within 24 hours — no debt, no collateral, no minimum credit score.
The numbers: Advance rate: 80%–95% · Funding speed: 24 hours (same-day for ongoing submissions) · Factoring fees: 1%–3% flat · No long-term contracts · Dedicated US-based account manager · All 50 states.
Who it serves: IFXI funds B2B businesses in trucking, freight, staffing, construction, medical, manufacturing, and government contracting. B2C invoices do not qualify. Startups, poor-credit owners, and businesses denied by traditional banks apply regularly.
Working Capital Solutions Built Around Your Receivables
Invoice Factoring
Sell unpaid B2B invoices for an immediate 80%–95% advance. The core IFXI product — no debt, no credit score required.
Truck Factoring
Same-day funding on freight bills for owner-operators and carriers. Fuel advances and free broker credit checks included.
Freight Factoring
Multi-mode freight invoice funding — dry van, flatbed, reefer, LTL, and intermodal. Spot factoring available.
Staffing Factoring
Fund weekly payroll before clients pay. Built for industrial, professional, and healthcare staffing agencies.
Construction Factoring
Advances on AIA pay applications and progress billing. Conditional lien waiver coordination included.
Medical Factoring
HIPAA-compliant funding on approved healthcare receivables for home health, medical staffing, and ancillary providers.
PO Financing
Fund supplier costs before delivery on confirmed purchase orders. Combine with factoring for full cycle coverage.
Asset-Based Lending
Revolving credit line secured by receivables, inventory, and equipment. Ideal for $1M+ AR portfolios.
Government Contract Funding
Assignment of Claims Act compliant advances on federal, state, and DoD contract invoices.
Get Funded in 3 Simple Steps
From application to funded account — the entire process is designed to move fast without burying you in paperwork.
Submit Your Invoices
Upload approved B2B invoices, your AR aging report, and basic company information through the IFXI portal. Free setup, under 10 minutes. No personal credit check performed.
We Verify & Advance Funds
IFXI reviews your customer's credit quality, confirms invoice validity, and processes the Notice of Assignment. 80%–95% of the invoice value advances via ACH or wire — within 24 hours of account setup.
Your Customer Pays IFXI Directly
When the invoice comes due, your customer remits payment directly to IFXI. The reserve is released to your account minus the factoring fee. No hidden charges, no surprises.
Funding for Every B2B Billing Cycle
Transportation & Trucking
Owner-operators, small fleets, and carriers bridging fuel and driver pay between loads.
Staffing & Temp Agencies
Industrial, office, and healthcare staffing with weekly W-2 payroll obligations.
Construction & Subcontracting
Electrical, plumbing, HVAC, and framing subs on GC draw schedules.
Healthcare & Medical
Home health agencies, medical staffing, and ancillary service providers.
Government Contracting
Federal, state, and DoD contractors on slow agency payment cycles.
Manufacturing & Distribution
B2B product companies with enterprise customers on net-60 or longer terms.
Why Businesses Choose IFXI
No Long-Term Contracts
Factor as many or as few invoices as your business needs. No minimum-term agreements, no termination fees. You stay because the service works.
Transparent, Flat Fees
Your factoring fee is disclosed before any advance is issued. No origination charges, no monthly minimums buried in fine print. 1%–3% is the complete cost.
Dedicated US-Based Account Manager
Every IFXI client is assigned a single point of contact who knows your industry and your billing cycle — not a call queue, a person who knows your file.
Same-Day Funding Available
Invoices submitted before the 11:00 AM EST daily cutoff fund via ACH or wire the same business day. No batch delays, no overnight wait on money you've already earned.
No Minimum Credit Score
Approval is based on your commercial customers' creditworthiness — not yours. Poor credit, no credit, and brand-new businesses qualify regularly.
Nationwide Coverage
IFXI funds B2B businesses in all 50 states across every major industry vertical — from a single owner-operator to a mid-market enterprise.
Frequently Asked Questions
An invoice factoring company is defined as a financial intermediary that purchases approved B2B invoices from businesses at a discount in exchange for an immediate cash advance. IFXI advances 80%–95% of the invoice face value, collects from the commercial customer directly, and releases the remaining reserve minus the factoring fee once payment clears.
The short answer is that invoice factoring is not a loan — it is a sale of an earned receivable. No debt appears on your balance sheet, no hard-asset collateral is required, and approval is based on your customer’s creditworthiness rather than your personal credit score or operating history. Bank loans add debt and typically require 650+ personal credit and 2+ years of operating history.
IFXI funds within 24 hours for first-time account setup and same-day for established accounts submitting before the 11:00 AM EST daily cutoff. Invoices submitted before cutoff receive ACH or wire the same business day. No expedite fee applies — same-day settlement is standard for active accounts.
The short answer is no — IFXI does not have a minimum personal credit score requirement. Approval is based on your commercial customers’ payment history and creditworthiness. Businesses with credit scores below 500, startups with no operating history, and companies that have been declined by banks all qualify regularly when their commercial customers have acceptable credit quality.
IFXI funds B2B businesses across all major industries including transportation and trucking, freight and logistics, staffing and temp agencies, construction and subcontracting, healthcare and medical, manufacturing, government contracting, and general professional services. The only hard requirement is that invoices must be from approved commercial customers — B2C billing does not qualify.
Ready to Stop Waiting on Your Customers?
Fill out the instant quote form at the top of the page, or call IFXI directly. No obligation. No long-term contracts.