83% of Dayton manufacturers and service contractors wait 30-90 days to collect payment, yet payroll arrives every two weeks. Accounts receivable financing in Dayton bridges that gap by converting outstanding invoices into immediate working capital.
Invoice factoring
Path A: Wait 60 days for a Wright-Patterson Air Force Base subcontractor to remit payment, then scramble to cover crew wages and material orders. Path B: Advance 80-90% of that invoice value within 48 hours through accounts receivable factoring, pay a discount fee when the customer settles, and keep operations moving.
Accounts receivable financing encompasses two main structures. Invoice factoring (or factoring accounts receivable) involves selling your invoices outright to a factoring company at a discount; you receive immediate cash and the factor collects directly from your customer. Accounts receivable loans, by contrast, use invoices as collateral for a short-term loan; you retain ownership, collect payment yourself, and repay the advance plus fees. Both options prioritize the creditworthiness of your customers over your own balance sheet, making them accessible even for newer businesses or those rebuilding credit.
Burnside Lending Group brokers both pathways, matching Dayton manufacturers, staffing agencies, distributors, and B2B service providers with accounts receivable financing companies that emphasize flexibility of terms, variable advance rates, recourse versus non-recourse structures, and fee schedules that adjust as your invoice volume scales.
Invoice factoring
Path A: A bank reviews your two-year profit history, personal credit score, and collateral before declining your line-of-credit application. Path B: An accounts receivable factoring company reviews your customer list, if you invoice creditworthy businesses or government entities, you qualify in days.
Typical eligibility criteria include B2B or B2G invoicing (not retail consumers), invoices free of liens, customers with verifiable payment histories, and gross invoice volume sufficient to justify the arrangement (often $50,000+ annually). Startups serving the Dayton freight corridor or Beavercreek IT contractors working with established clients often find factoring in accounts receivable easier to secure than traditional working capital loans because underwriters evaluate your customers' ability to pay, not your profit margins.
Burnside Lending Group reviews your invoice aging report, customer concentration, and cash-flow needs at our Beavercreek office, 2650-2680B Indian Ripple Rd, Beavercreek, OH 45440, Dayton, OH, then presents options from multiple accounts receivable companies, so you compare advance rates, fee structures, and contract lengths before committing.
Invoice factoring
Businesses across Fairborn, Kettering, and Centerville deploy receivable financing to solve predictable cash-flow mismatches. A Moraine machine shop uses accounts receivable funding to purchase raw steel the day an order arrives, rather than waiting 45 days for the automotive OEM to pay. A Huber Heights staffing firm factors payroll invoices every Friday to meet same-day direct-deposit obligations for temporary workers placed at local distribution centers.
Other scenarios include seasonal inventory builds, bridging gaps between project milestones, covering unexpected equipment repairs, and seizing early-payment discounts from suppliers. Because accounts receivable lending advances cash against work already completed, it carries less risk than speculative growth capital and aligns repayment directly with customer payment cycles.
How it works
Call (937) 389-9513 to begin. We gather three months of accounts-receivable aging, a customer list with payment terms, and a brief overview of your invoicing process. Within 48 hours, we present proposals from factoring accounts receivable companies and receivable financing companies, highlighting advance percentages, discount rates, contract minimums, and whether the arrangement is recourse (you buy back unpaid invoices) or non-recourse (the factor absorbs credit risk).
You select the structure that balances speed, cost, and flexibility of terms. We coordinate due diligence, facilitate the agreement, and remain your advocate if invoice volume or customer mix changes. Many Dayton businesses maintain factoring relationships for years, treating accounts receivable factoring loans as an on-demand liquidity tool rather than emergency funding.
Explore related financing options on our Dayton commercial lending hub or compare working capital loans, business lines of credit, and equipment financing. We serve Xenia, Vandalia, West Carrollton, and every corridor detailed on our service areas page.
A Kettering HVAC contractor wins a six-month municipal facilities upgrade but faces net-60 payment terms. Rather than delay crew hiring or material orders, the owner factors the first two monthly invoices at an 88% advance rate. Cash arrives within three business days, payroll clears on schedule, and the city remits payment directly to the factor 58 days later. The contractor pays a 3% discount fee and repeats the cycle for subsequent invoices, maintaining steady cash flow without tapping personal savings or maxing credit cards.
Serving the Dayton area
We know which lenders fund which kinds of Dayton businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
