Invoice Factoring in New York City, New York

Advanced Funding Group provides accounts receivable financing for businesses in New York City and surrounding New York communities. We purchase your approved B2B invoices and advance up to 95% of the value — often within 24–72 hours — so you can cover payroll, inventory, and growth without waiting on slow-paying customers.

New York City is one of New York's largest business markets. Manufacturers, distributors, staffing firms, medical groups, and logistics companies across the New York City metro rely on steady cash flow — but net-30 and net-60 invoice terms often leave payroll and growth plans underfunded.

New York City runs on contracts, retainers, and net-45 invoices — but rent, union payroll, and vendor terms don't wait. From Midtown professional-services firms to Brooklyn light manufacturers and Long Island wholesalers, NYC businesses routinely carry six- and seven-figure receivable balances that starve working capital.

Factoring converts those approved invoices into same-week cash. Approval weighs your customers' credit — critical in a market where young companies land marquee clients long before they qualify for traditional bank lines.

Staffing and temp agencies placing workers across the five boroughs Import/export and apparel wholesalers in the Garment District and NJ crossings Commercial cleaning and facilities contractors serving Class A office buildings Creative and marketing agencies billing national brands on milestone terms

Banks in New York City and across New York often require two or more years of financials, hard collateral, and lengthy underwriting — especially for growing companies with strong sales but lumpy cash flow. Factoring focuses on your customers' creditworthiness and the quality of your receivables, not just your balance sheet.

We work with New York City companies in finance, healthcare, manufacturing, plus manufacturing, medical and healthcare, staffing, trucking and freight, government contractors, wholesalers, distributors, and B2B service firms.

Explore: receivable factoring , medical factoring , manufacturing factoring , freight factoring , and purchase order finance .

Factoring is not a loan: no monthly debt service, no principal and interest payment.

Whether you operate in downtown New York City or serve clients across New York, Advanced Funding Group funds businesses statewide and nationwide. Request a free quote — most New York City inquiries receive a response within one business day. Call (267) 446-7902 or apply online .

Looking for factoring outside New York City? See our New York factoring overview or browse other cities we serve across the state.

Invoice factoring lets New York City businesses sell outstanding B2B invoices to a factoring company for immediate cash instead of waiting 30, 60, or 90 days for customer payment.

Many New York City companies receive approval within 24 hours and first funding within 24–72 hours after onboarding, depending on invoice volume.

Yes. We fund startups and growing New York City businesses. Approval depends on your customers' credit and invoice quality — not only your company's financial history.

No. We serve New York City, all of New York, and businesses nationwide. Your customers can be located anywhere; what matters is verifiable B2B receivables.

Factoring sells receivables for cash — it is not debt. There is no loan payment, and approval is based heavily on your customers' creditworthiness.