Receivables Finance

Accounts Receivable
Financing

Don't wait 30, 60, or 90 days to get paid. OAKRG connects businesses with receivables financing facilities that convert outstanding invoices into immediate working capital.

Start the Conversation What We Do
$1M–$100M+
Facility Size
Up to 90%
Advance Rate on Invoices
Global
USA, Canada & International
Capital Solutions

How We Help

OAKRG connects companies with private investors, family offices, and institutional capital. We structure the right solution and make the right introductions.

01

AR Line of Credit

A revolving credit facility secured by your accounts receivable — draw up to your borrowing base, repay as invoices are collected.

02

Invoice Factoring

Sell your invoices to a factoring company at a discount for immediate cash — recourse or non-recourse options available.

03

Invoice Discounting

Retain control of your sales ledger while borrowing against your receivables — confidential arrangements available for larger businesses.

04

Non-Recourse Factoring

Transfer credit risk on your receivables to the factor — protection against buyer default included in the structure.

05

Export Receivables Finance

Finance receivables from international buyers — including US Ex-Im Bank backed facilities for qualifying exporters.

06

Spot Factoring

Factor individual invoices on a one-off basis — no long-term contracts, no minimum volume requirements.

Who We Serve

Clients & Use Cases

We work across sectors, stages, and geographies — connecting the right businesses with the right capital at the right time.

Staffing & Professional Services

Bridge the gap between paying workers and collecting from clients on 30–90 day terms.

Manufacturing

Finance production cycles and fund raw materials against customer purchase orders.

Wholesale & Distribution

Turn slow-paying distributor invoices into immediate working capital.

Trucking & Logistics

Freight factoring to cover fuel, maintenance, and driver payroll between loads.

Construction & Contractors

Finance construction receivables and progress billing in extended payment cycles.

Healthcare

Medical receivables financing for providers with insurance and government payer receivables.

Our Process

How OAKRG Works

A disciplined, relationship-driven process. We don't blast deals — we make curated introductions to capital sources with active mandates matching your need.

01

Receivables Assessment

We review your invoice volume, customer credit quality, payment terms, and collection history to structure the right facility.

02

Lender & Factor Matching

We introduce your deal to AR lenders, factors, and specialty finance providers from our network.

03

Facility Structuring

We help you structure the facility terms — advance rates, concentration limits, fees, and notification requirements.

04

Close & Draw

Once the facility closes, funds are typically available within 24–48 hours of invoice submission.

FAQ

Frequently Asked Questions

Accounts receivable financing — also called invoice factoring or receivables discounting — is a funding method where a business sells or borrows against its unpaid invoices to access cash before customers pay. The lender or factor advances 70–90% of the invoice value upfront, with the balance (minus fees) released when the customer pays.
In disclosed factoring, customers are notified that invoices have been assigned to a factor and make payment directly to the factor. In invoice discounting (confidential), the arrangement is invisible to customers — you collect payment as normal and repay the lender. Invoice discounting typically has lower fees but requires stronger financial controls.
Factoring fees typically range from 1.5% to 5% of invoice value, depending on debtor quality, invoice volume, industry, and term. On an annualised basis, this equates to roughly 18–60% — significantly more expensive than bank overdrafts, but accessible without property security and available to early-stage businesses.
Any business that invoices other businesses (B2B) on credit terms can typically access receivables financing. Eligibility depends on debtor credit quality (your customers' ability to pay), invoice volume, and industry. B2C businesses and businesses with a single large customer face more scrutiny.
Once a factoring facility is set up (typically 2–4 weeks), funds are usually available within 24–48 hours of submitting an invoice. This makes receivables financing one of the fastest working capital solutions available.
In recourse factoring, if your customer doesn't pay the invoice, you are required to buy it back from the factor — you carry the credit risk. In non-recourse factoring, the factor absorbs the credit risk if the customer becomes insolvent. Non-recourse facilities charge higher fees (typically 0.5–1.5% more per invoice) to account for this risk.
Yes — receivables financing is one of the few working capital products available to early-stage businesses. Because the facility is secured against your debtors (your customers' creditworthiness), not your own balance sheet or credit history, startups with strong B2B customers can often access it within months of trading.
The highest-volume factoring industries include: staffing and recruitment, construction and subcontracting, transportation and logistics, manufacturing, healthcare (medical billing), and government contractors. Any industry with regular B2B invoicing and 30–90 day payment terms benefits from factoring.
In disclosed factoring, customers receive a notification of assignment and are asked to pay the factor directly — some businesses find this sensitive. In confidential invoice discounting, customers are unaware of the arrangement and continue paying you directly. OAKRG can help identify the right structure based on your customer relationships.
Requirements vary by provider. Specialist SME factors may work with as little as $50K–$100K in monthly invoices. Larger bank-owned factors typically require $500K+ in monthly turnover. OAKRG matches clients with providers appropriate to their volume and industry.
Yes. OAKRG connects businesses with invoice factoring and receivables discounting providers across Canada, Australia, the UK, and international markets — from SME factoring for early-stage businesses to large-scale receivables programmes for mid-market companies.
Get Started

Turn Your Invoices
Into Cash

OAKRG connects businesses with the right AR financing facility from $1M to $100M+. Tell us about your receivables and we'll find the right lender.

Apply for AR Financing Back to OAKRG