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Invoice Factoring · Savannah, GA

Turn Unpaid Invoices
into Working Capital

Stop financing your customers' payment terms. We match you with vetted factoring lenders and show you real advance rates and fees, before you commit to anything.

80–95%
Advance rate on invoices
24–48 hr
Typical funding speed
1–5%
Factoring fee range
$0
Cost to apply
Check Your Eligibility
No credit impact · No obligation
  • B2B or B2G invoices, 30–90 day terms
  • Creditworthy commercial customers
  • No existing lien on receivables
  • Any personal credit profile considered
  • Funding from startup-stage up
Get Matched →

Free to apply. No long-term commitment required.

The process

From invoice to funded in 4 simple steps

No guessing which lender fits. We handle the matching — you compare real offers.

Tell us about your invoices

A few basics on your business, your customers, and the receivables you'd want to factor. No cost, no commitment.

Get matched with a lender

Our network is made up of established factoring companies, each suited to different industries and invoice profiles.

Review real terms

Advance rates, discount fees, and contract terms laid out clearly — no surprises, no obligation to accept.

Get funded

Once you accept, most businesses see their first advance within days of submitting invoices for verification.

At a glance

What you can expect

Exact terms depend on your customers' creditworthiness and industry — not your personal credit score alone.

Cost to Factor

Discount Fee

1% – 5% of invoice value

  • Priced by your customer's payment speed
  • Set upfront — no surprise charges
  • Recourse and non-recourse options
  • Compare fees across multiple lenders
  • No cost to see your real numbers
Run the Numbers →
Flexible Access

Funding Range

Startup-stage to $MM+ lines

  • Grows automatically with invoice volume
  • No fixed credit limit to reapply against
  • Select which invoices to factor
  • No minimum time in business required
  • Staffing, trucking, distribution & more
Learn More →
Local expertise

Serving Savannah-area businesses

Savannah is home to a thriving base of staffing, logistics, and B2B service businesses — and the same problem shows up again and again: the work is done, the invoice is out, and payroll doesn't wait on a 60-day payment term.

At Small Business Loan Consultants, we specialize in matching Savannah-area businesses with factoring lenders who actually understand their industry — not a one-size-fits-all offer from whichever factor you happen to find first.

We're available by phone at (912) 495-7030 for a no-obligation conversation about your specific situation.

Staffing Agencies Trucking & Logistics Manufacturing Wholesale & Distribution B2B Services Government Contractors Construction & Contractors
Why factor through SBLC
Time to first funding 1–5 days
Advance rate 80–95%
Factoring fee 1–5%
Minimum credit score None required
Long-term debt added None
Lenders compared Multiple
Do you qualify?

What factors actually look at

It's your customers' creditworthiness that matters most — not your personal credit score alone.

🧾

B2B or B2G Invoices

Factoring applies to commercial receivables on 30–90 day terms — not consumer sales.

🏢

Creditworthy Customers

Your customers' payment history matters more than your own credit score.

Completed Work

Invoices for work you've already delivered — not deposits or pre-billed amounts.

🔓

No Existing Lien

No other lender already holding a claim on the same receivables.

Check If You Qualify — Free & Fast →
Why a broker

One application. Multiple real offers.

Every factoring company prices risk a little differently. Here's what going through us gets you that applying direct doesn't.

Matched, not guessed — lenders suited to your industry and invoice profile, instead of a blind application to whichever factor you found first.

Terms compared side by side — advance rates and fees laid out together, so you're negotiating with information instead of in the dark.

A local contact in Savannah who explains the fine print — recourse vs. non-recourse, contract minimums, notification terms — before you sign anything.

Common questions

Frequently asked questions

No — in fact, the opposite is common. Because factoring gets you paid faster, it helps you pay your own vendors and suppliers on time, which builds a stronger business credit history over time.
In most arrangements, yes — your customer is notified that payment goes to the factor. Some lenders in our network offer non-notification structures for qualifying accounts; we'll flag that option if it applies to you.
Recourse factoring means you're responsible if a customer never pays. Non-recourse shifts that risk to the factor in most cases, for a higher fee. We'll walk you through which structure each matched lender offers.
Once your account is set up, most factors fund newly submitted invoices within 24 to 48 hours. Initial setup — application, underwriting, and agreement — typically takes a few business days.
Sometimes, sometimes not — it depends on your customers' payment speed and the rate you'd otherwise qualify for. Read our full cost comparison breakdown to run the math for your specific business.

Ready to see what you'd qualify for?

No cost to apply, no obligation to accept, and no single lender's rate is the only offer you'll see.

✓ All industries considered ✓ No long-term debt added ✓ Funded in days, not months ✓ Multiple lenders compared ✓ Free to apply
Start My Free Application →

Questions? Call us: (912) 495-7030  ·  Support@SmallBusinessLoanConsultants.com