Accounts Receivable Financing in Aurora, CO
Accounts receivable financing lets Aurora businesses borrow against unpaid B2B invoices — turning 30/60/90-day receivables into cash today. Marquette Capital Group structures A/R financing two ways: as a revolving line of credit collateralized by receivables, or as invoice factoring (see our factoring page for the pure-sale structure).
For growing Colorado businesses with concentrated B2B customers and net-30+ terms, A/R financing is often the cheapest way to unlock working capital. Advance rates typically run 80–90% of eligible invoice value, with interest charged only on funds actually drawn.
We work with Aurora businesses in manufacturing, staffing, transportation, professional services and wholesale distribution — the classic B2B verticals where invoice-based financing shines.
- Manufacturers waiting on net-45+ invoices
- Staffing firms funding weekly payroll
- Trucking companies bridging fuel and driver pay
- B2B wholesalers with growing receivables
- Government contractors with slow-paying prime contracts
- B2B or B2G receivables (not consumer)
- Reasonable customer concentration (no single account >40%)
- 6+ months of business operating history
- A/R aging report clean beyond 90 days
- Personal guaranty from majority owner
From intake to funded in four steps.
“Customer concentration matters. If one client makes up 70% of your receivables, most A/R lenders will cap you at that customer's exposure. We'll tell you your realistic advance size before we start paperwork.”
Questions Aurora operators actually ask.
How is A/R financing different from factoring?+
A/R financing is a loan collateralized by receivables — you keep the receivable and repay the advance. Factoring is a sale of the receivable — the factor now owns it and collects directly from the customer.
What advance rate can I expect?+
80–90% of eligible invoice value for most industries. Government receivables and slow-pay customers get lower advance rates.
How is pricing structured?+
Usually as a base rate (prime or SOFR) plus a spread, on the amount drawn — not on the whole facility. Some lenders also charge a monthly service fee.
Will my customers know?+
In A/R financing (non-notification), typically no. In factoring (notification), yes — payment instructions redirect to the factor's lockbox. We'll clarify which structure fits.
How fast can I get funded on new invoices once the line is open?+
Same-day or next-day advances once the initial facility is set up.
Talk to Aurora about accounts receivable financing.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.