Stop Waiting 60 Days to Get Paid

Invoice factoring for trucking companies, contractors, and businesses. Submit your invoices and get up to 97% advanced within 24 hours — so you can make payroll, buy materials, and keep growing.

Apply Now — Free Quote
No credit check on you. No long-term contracts.
Semi truck on the highway
24-Hour
Funding
$0
Application Fee
90%+
Advance Rate

How It Works

Three simple steps between you and same-day cash flow.

Construction work
1

Do the Work

You complete the job like normal — haul the load, finish the project, staff the shift. Nothing changes.

Submit invoice
2

Submit Your Invoice

Send us the invoice and proof of delivery. Email, portal, or even a photo from your phone.

Get paid
3

Get Paid Tomorrow

We advance up to 97% within 24 hours. The rest comes when your customer pays, minus our small fee.

Why Businesses Choose Us

We built this for people who build things and move things, not Wall Street.

Transparent pricing

No Hidden Fees

Flat, transparent pricing. No application fees, no ACH fees, no surprise charges. You see the rate before you sign anything.

No contracts

No Long-Term Contracts

Factor when you want. Stop when you want. No minimums, no penalties. You're in control.

Built for your industry

Built for Your Industry

Trucking, construction, staffing, janitorial, government contractors — if you invoice for work completed, we can factor it.

Who We Work With

If you invoice for completed work, we can help.

Trucking & Freight Construction & Electrical Government Contractors Staffing & Janitorial Facilities & Maintenance Any B2B Service Company

The Math

See why factoring makes sense for your cash flow.

Without Factoring

Deliver load
↓
Wait 30–90 days
↓
Hope the broker pays

With Arc Capital

Deliver load
↓
Submit invoice
↓
Get paid tomorrow

That $50,000 invoice sitting in accounts receivable? We put $47,500 in your account tomorrow.

Frequently Asked Questions

Everything you need to know before getting started.

What is invoice factoring?
You sell us your outstanding invoices at a small discount. We pay you now, collect from the broker later. It's not a loan — no debt on your books.
How fast do I get paid?
Most invoices funded within 24 hours of submission.
Do you check my credit?
We check your customers' credit, not yours. Bad personal credit is not a problem.
Is there a minimum number of invoices?
No minimums. Factor one invoice or all of them.
What are your rates?
Typically 2–5% depending on volume and broker payment terms. We'll give you an exact quote within 24 hours.
How do I get started?
Fill out the application below. Takes 5 minutes. We'll have an answer within 24 hours.

Get Your Free Quote

Takes 5 minutes. No obligation. No credit check on you.

No obligation. No credit check on you. Response within 24 hours.