What Is Accounts Receivable Financing?

Accounts Receivable (AR) Financing lets businesses unlock cash from unpaid invoices by selling them to a lender or using them as collateral. Instead of waiting 30–90 days for payment, you get immediate working capital to cover expenses, manage cash flow, and grow — without taking on extra debt.

Benefits of Accounts Receivable Financing

  • Fast Funding – Access $10,000 to $5,000,000 in as little as 2–5 days.

  • No Minimum Credit Score – Bad credit? Not an issue — approval is based on your receivables, not your credit.

  • Maintain Cash Flow – Bridge the gap between invoicing and payment with working capital on hand.

  • Flexible Terms – Options from 6 months to 10 years.

  • Simple Qualification – At least $100,000 in outstanding B2B receivables and $500,000+ annual sales.

How It Works

Apply Online

Secure pre-approval through our quick online application.

Review Options

Your advisor will help you choose the right funding structure for your invoices.

Receive Your Funds

Access your capital in as little as 24–48 hours and keep your business moving forward.

Stop waiting on slow-paying clients — put your invoices to work for you today.

Get Accounts Receivable Financing Now

Your Growth, Funded. Your Future, Secured.

Partner with Prosper Smarter for fast funding, personalized strategies, and lasting financial success.

© 2025 Prosper Smarter. All rights reserved.