📱 Best Platforms
FundThrough, BlueVine
📖 The Hustle
Small businesses often wait 30-90 days for customers to pay invoices. Invoice factoring lets you buy those unpaid invoices for 97% of face value, then collect the full amount when the customer pays. FundThrough connects you with vetted businesses that need immediate cash. Each invoice you fund nets 2-4% over 30-45 days — that is 24-48% annualized. Fund invoices from businesses with solid customer bases like government contractors or Fortune 500 vendors.
🚀 First Step
Register on FundThrough as a funder, review the platform's due diligence process, and fund one small invoice of $500 to test the system.
🔑 Keys to Success
- Only fund invoices where the end-customer is a creditworthy business or government agency unlikely to stiff you
- Spread your capital across 5-10 invoices from different businesses so one slow pay does not freeze your entire portfolio
- Reinvest returns immediately — factoring returns compound fast because you can turn capital over 8-12 times per year
🛠 Tools & Resources: FundThrough, BlueVine, InvoiceSherpa, QuickBooks (for client vetting), Dun & Bradstreet