73% of Dayton-area businesses that switch to invoice factoring cite same-day cash access as their primary reason. Invoice factoring in Dayton lets your business sell outstanding B2B invoices to a factoring company at a discount in exchange for immediate working capital, typically within 24 to 48 hours.
Invoice factoring
Invoice factoring converts your accounts receivable into immediate cash without adding debt to your balance sheet. You submit verified invoices for completed work or delivered goods, the factoring firm advances 70 to 90 percent of the face value, and then collects payment directly from your customer. Once your customer pays in full, you receive the remaining balance minus the factoring fee. Burnside Lending Group connects Dayton businesses with factoring companies that offer recourse and non-recourse options, allowing you to choose the liability structure that fits your risk tolerance and industry norms.
Who we serve
Factoring companies for trucking companies dominate the Dayton market because carriers hauling freight along I-75 and I-70 corridors cannot afford to wait weeks for brokers or shippers to settle invoices. A trucking company factoring companies arrangement funds fuel, driver wages, and maintenance the same day a load delivers. Beyond transport, Dayton's precision-manufacturing cluster in the Tech Town and Dayton Innovation Center zones relies on invoice factoring to bridge the gap between raw-material purchases and customer payments. Staffing firms placing workers at Wright-Patterson Air Force Base contractors and healthcare systems also use business factoring to meet weekly payroll without delay.
Invoice factoring
Approval hinges on your customers' creditworthiness, not your own balance sheet. Factoring firms review the payment history and financial strength of the businesses that owe you money. Startups, companies rebuilding credit, and fast-growing operations in Beavercreek, Fairborn, Kettering, and other Service Areas often qualify when traditional bank lines fall short. You typically need a portfolio of B2B invoices free of liens, customers with verifiable trade references, and a history of delivering goods or services as contracted.
Dayton businesses deploy invoice factoring to smooth seasonal swings, fund large purchase orders, and cover payroll gaps. A Moraine-based metal fabricator that supplies automotive parts to assembly plants in nearby Vandalia might factor invoices to purchase raw steel and pay overtime wages during a surge order, ensuring production stays on schedule while waiting for the automaker's 60-day payment cycle. Factoring receivables lets the shop maintain inventory and labor capacity without tapping a term loan or deferring supplier payments.
How it works
Call (937) 389-9513 to discuss your invoice portfolio and customer base. Burnside Lending Group gathers details about your industry, average invoice size, payment terms, and debtor quality, then shops your profile to factoring co partners that specialize in your sector. The broker handles documentation, negotiates advance rates and fees, and structures recourse terms that protect your cash flow. Once matched, most factoring firms issue the first advance within two business days. Our Beavercreek office at 2650-2680B Indian Ripple Rd, Beavercreek, OH 45440, Dayton, OH serves manufacturers, distributors, and service providers throughout the greater Dayton metro.
Invoice factoring
Invoice financing agreements vary widely in advance rate, fee structure, contract length, and notification requirements. Some factoring companies for trucking industry clients offer spot factoring on single loads, while others require monthly minimums. Recourse factoring returns unpaid invoices to you after 90 days; non-recourse transfers default risk to the factor for a higher fee. Burnside Lending Group brokers arrangements that let you choose which invoices to factor, adjust volume month to month, and exit agreements without multi-year lock-ins, preserving the operational flexibility Dayton's diverse industrial base demands.
Invoice factoring
Path A: Factor invoices and receive 80 percent of face value today, paying a fee only on invoices you submit, with no monthly debt service or personal guarantee.
Path B: Apply for a traditional working capital loan that requires collateral, a credit review, and fixed monthly payments regardless of sales volume.
Factoring suits businesses with strong customer credit but limited borrowing history, while term loans favor companies that prefer predictable costs and retain full control over collections. Many Dayton firms use both: a business line of credit for planned expenses and ar factoring for sudden cash needs. Burnside Lending Group evaluates your receivables cycle, customer concentration, and growth plans to recommend the optimal mix, often pairing factoring with equipment financing or commercial real estate loans for a comprehensive capital strategy.
Visit our Dayton commercial lending hub to explore how invoice factoring integrates with SBA 7(a), term loans, and other programs, or call (937) 389-9513 to discuss your invoices and customers with a broker who understands Dayton's manufacturing, logistics, and service sectors.
Serving the Dayton area
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Common questions
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