Invoice Factoring in Aurora, CO
Invoice factoring is the outright sale of unpaid B2B invoices to Marquette Capital Group at a discount, in exchange for immediate cash. Unlike A/R financing (a loan), factoring is a purchase — meaning we advance funds now and collect directly from your customer when the invoice is due.
For Aurora businesses with net-30+ payment terms and steady B2B revenue, factoring can be the fastest and simplest way to unlock working capital. Advance rates typically run 85–95% of the invoice face value, with a factoring fee taken when the invoice pays.
Factoring is particularly common in trucking, staffing, manufacturing and wholesale distribution — industries where a single large invoice can meaningfully affect cash-flow timing.
- Trucking carriers factoring load-by-load
- Staffing agencies funding weekly payroll
- Small manufacturers with a few large B2B accounts
- New businesses without credit for a bank line
- Growing companies whose bank line has maxed out
- B2B or B2G customers with reasonable credit
- Invoices for delivered, undisputed work
- Business bank account and basic corporate docs
- Personal guaranty from majority owner
- No active tax liens on receivables
From intake to funded in four steps.
“Factoring is expensive per dollar of capital compared to a bank line, but qualification thresholds are much lower — factoring underwrites the customer's credit, not yours. If you can qualify for A/R financing at a bank, that's usually cheaper. If you can't, factoring is the right tool.”
Questions Aurora operators actually ask.
How much does invoice factoring cost?+
Typically 1.5–3.5% of the invoice face value for a 30-day advance, sometimes lower for high-volume trucking or staffing programs. We'll quote your exact rate before you sign.
Recourse vs non-recourse factoring — what's the difference?+
Recourse: if the customer doesn't pay, you buy the invoice back. Non-recourse: the factor absorbs the credit loss (usually for slightly higher pricing). Most small-business factoring is recourse.
Will my customers know I'm factoring?+
Yes. Factoring is notification-based — remit-to instructions change to a lockbox. Non-notification programs exist but are less common.
How long does onboarding take?+
3–10 business days for most facilities. Once open, individual invoice advances are same-day.
Can I factor just one invoice or one customer?+
Yes — spot factoring is available for occasional needs. Whole-turn (all invoices) facilities offer better pricing.
Talk to Aurora about invoice factoring.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.