Client success stories

“We place nurses and allied health professionals at hospital systems that pay net-45 to net-60, but our payroll runs every week. Our bank line couldn't keep up once we landed two new health-system contracts. Advanced Funding Group reviewed our customer list, approved the facility in about three business days, and funded our first batch of invoices within 48 hours. We haven't missed a payroll cycle since.”

“Our customers are solid operators, but payment cycles stretch when projects slow down. We needed working capital to keep inventory moving without adding more bank debt. AFG advanced up to 90% on approved invoices from creditworthy accounts — no multi-year lock-in. When sales picked back up, our available funding scaled with us. That flexibility is exactly what a distributor in this market needs.”

“Brokers were paying 30 to 45 days after delivery while fuel, insurance, and driver settlements couldn't wait. We looked at several freight factors — AFG was straightforward on fees and got us funded on our first loads the same week we signed. Having someone who actually answers when a broker short-pays has saved us more than once.”

“Medicare and managed-care remittance can lag 60 to 90 days behind visits we have already delivered. We were juggling credit cards to cover clinician payroll — not sustainable. AFG set up a medical receivables program with a specialist who understood our payer mix. Cash flow stabilized within the first month, and we were able to take on two new referral partners without borrowing more against our building.”

“We sell to big-box retailers on net-60 terms while our paper and resin suppliers want net-30 or COD. Every strong quarter pushed us against our bank's borrowing base before we could fund raw materials for the next run. Factoring tied funding directly to shipments — when invoice volume grew, our line grew with it. We kept production running without renegotiating covenants every quarter.”

“We chose a local partner on purpose. When I call, I reach someone who knows our account — not a call center reading a script. AFG is headquartered minutes from us in Newtown. They walked us through recourse vs non-recourse, gave us a clear fee schedule upfront, and funded our first corporate client invoices in under 72 hours. For a growing agency billing Fortune 500 accounts, that speed mattered.”

“We invoice retailers on net-45 but pay warehouse staff and line-haul carriers weekly. The timing gap was eating our margin. Invoice factoring let us convert shipper receivables into cash within a day or two of billing — without taking on more term debt. Our factor also helped us tighten aging follow-up on a few slow accounts. Cash flow went from reactive to predictable.”

“General contractors pay progress billings 30 to 60 days after we finish a phase, but subs and suppliers don't wait. We used purchase order finance on a signed contract to buy materials for the next phase, then factored the pay-app receivable when it was approved. AFG coordinated both pieces so we didn't turn down work we had already won.”