Editorial staff
1. Porter Capital
Porter Capital flies in as the best overall company for invoice factoring in 2025. What makes it special? Beyond the exceptionally high advance rates and flexible financing solutions, it’s a company that likes to do things right.
As a customer, you have ongoing access to real account managers, rather than dealing with a fully automated system. It’s something that Porter Capital is really passionate about because it delivers a more personable experience to the customer. Very few invoice factoring companies still do this, so it makes this one unique.
| Pros | Cons |
| Up to 95% advance rates | Prices aren’t visible on the website |
| Flexible invoice funding options | Quick funding but no same-day option |
| Up to $25 million credit | |
| Real human account managers | |
| Free quotes |
Best for: Anyone looking for an invoice factoring service, particularly if you want to deal with human account managers.
2. Viva Capital Funding
Viva Capital Funding launches into second place with a lot of enjoyable features that grab your attention. From a cost-effectiveness perspective, it offers rates as low as 0.25% with advances of up to 100% on your invoices. That makes it an affordable choice - and it claims to process approvals in as fast as 8 hours.
Another thing that makes this a standout option for invoice factoring is the transparency on funding fees. It’s one of the only companies that provides a neat tool so you can see how much it’ll cost to factor your invoice before paying.
| Pros | Cons |
| Up to 100% advance rates | Doesn’t cater to that many industries |
| Transparent pricing | Sometimes has slow response times |
| Same-day approvals | |
| Very low rates |
Best for: Businesses with a total invoice amount that’s under $10,000, as the company will factor any value down to $2,500.
3. Credibly
Credibly is a well-known brand that focuses on various types of business loans. It’s been mentioned in top publications like Bankrate and Nerdwallet, and has financed over 45,000 businesses across the US.
Despite offering loads of loan options, its invoice factoring service is growing in popularity. The company offers a variety of rates and tends to cater to larger businesses. There are some issues relating to pricing transparency and approvals, but the company’s overall reputation means it’s hard to ignore.
| Pros | Cons |
| Great reputation | Vague pricing on the website |
| Caters to a lot of business industries | Has stricter approval criteria than most |
| Offers huge amounts of funding |
Best for: Bigger businesses with a large invoice value and a track record of customers paying within 30 days.
4. RTS Financial
RTS Financial gives you a maximum advance rate of up to 90% and offers same-day funding. It scores very highly in other feature areas too, making it a beautifully well-rounded invoice factoring company.
However, it doesn’t appear higher on our list because it specializes in trucking factoring. In other words, if you don’t operate a trucking company, then its services will be useless. Still, it’s so good at what it does that we have to include it here - especially seeing as trucking companies normally end up with a lot of unpaid invoices.
| Pros | Cons |
| Specializes in trucking factoring | Only suitable for the trucking industry |
| Includes a great Fuel Card program for additional savings | Doesn’t disclose its factoring fee until you agree to the service |
| Provides same-day funding | |
| Gives advances up to 90% |
Best for: Any company within the trucking industry.
5. Scale Funding
Scale Funding have been invoice factoring experts for over 30 years and caters to a diversity of industries. This company will pay out up to 90% of your invoice’s value within 24 hours, so you get an immediate injection of cash.
If you opt for this service, then you benefit from flexible solutions and a fantastic customer service team. The support network is always a phone call away, which is very useful if you have any questions.
| Pros | Cons |
| Pays up to 90% of invoices in advance | You must have a $50,000 minimum monthly invoice value to qualify |
| Great customer service | Factor rates aren’t disclosed |
| Up to $30,000,000 funding limit | |
| Flexible monthly contracts |
Best for: Businesses with over $50,000 in monthly invoices or who need flexible funding solutions.
6. Liquid Capital
Liquid Capital helps businesses accelerate their cash flow with invoice factoring services, offering between $20,000 and $20 million in funding. It caters to both American and Canadian businesses - and can provide additional services like asset-based lending or purchase order financing.
There’s a lot of potential here, but a lack of information regarding payments means we don’t feel comfortable putting it any higher than sixth on our list.
| Pros | Cons |
| Quick financing options | No details on the website about fees |
| Very good reputation | Doesn’t say the maximum advance payment allowance |
| 80% minimum advance payment | $20,000 minimum invoice value is steep for some |
Best for: Medium-sized businesses with over $20,000 in unpaid invoices every month.
7. Triumph
Triumph is another invoice factoring company that caters to the transportation market. It also provides fuel discount programs and loads of great services for freight brokers and fleets of all sizes - alongside advance invoice payments of up to 100%.
It all looks great, until you notice there are many fees involved, and it’s quite coy about the qualification requirements on its website. That’s why we can only list it in 7th place, despite being an all-around decent invoice factoring provider.
| Pros | Cons |
| Up to 100% invoice advance payments | No information on qualification requirements |
| Excellent fuel discount programs | Charges upfront fees |
| One of the best fleet invoice factoring companies | Irrelevant if you don’t have a fleet |
Best for: Transport companies or businesses with a fleet.
As a business owner, one of the best things you can do for your company is to manage a positive cash flow. Acquire money from existing assets by using invoice factoring to your advantage. Get started today by checking out any of the companies on our list.
Editorial staff
