Option 1: Bank line of credit
Community and regional banks serve many Philly businesses well — if you have two-plus years of profitable financials, collateral, and time for underwriting. Growing companies with lumpy cash flow often hit limits quickly.
Option 2: Invoice factoring
Invoice factoring in Philadelphia converts approved B2B receivables into cash within 24–72 hours. Approval focuses on your customers' credit, not just yours — ideal when you've landed larger accounts faster than your balance sheet reflects.
Option 3: Purchase order finance
If you have a signed PO from a creditworthy buyer but need cash to buy inventory or materials, purchase order financing funds the fulfillment gap.
What Philly businesses should prepare
Advanced Funding Group is headquartered in nearby Newtown, PA and has funded Philadelphia-area companies since 2006. Request a free quote or call (267) 446-7902 .
- Basic corporate documents (Articles, EIN)