REAL ESTATE INVESTOR FINANCING
Invoice / AR Financing Guide
How account-debtor credit quality drives the advance, not the business's own credit.
What It Is
Accounts-receivable / invoice financing that advances a percentage of eligible invoice value. Underwriting is primarily based on the credit quality of the business's customers (account debtors), not the business itself.
What Problem It Solves
A B2B company has unpaid invoices and a receivable timing gap — it needs capital before the invoices are paid. Invoice financing advances a percentage of the eligible invoice value, repaid when the customer pays.
When It's Commonly Used
B2B companies with unpaid invoices, receivable timing gaps, and customers whose credit quality supports the advance.
Who Generally Qualifies
B2B companies with eligible unpaid invoices. No hard FICO minimum in the supplied matrix — underwriting is primarily based on the credit quality of the account debtors (the businesses that owe the invoices). Not for businesses without qualifying receivables.
How the Advance Is Determined
As a percentage of eligible invoice value, with the advance sized by the credit quality of the account debtors. The business's own credit is not the main factor; the receivables and the customers who owe them drive the advance.
When to Use a Different Product
If the business has no qualifying receivables, invoice financing doesn't fit — a Business LOC or Working Capital loan is the route. If the core requirement (contract, spread, seller carry, or funded end buyer) is missing, a different product — or a restructured transaction — is usually a better fit than forcing the structure.
How Green Fire Structures It
Green Fire reviews the unpaid invoices, the account debtors' credit quality, and the receivable timing, then identifies an invoice-financing structure whose advance percentage fits the receivables.
Frequently Asked Questions
Ready to submit this kind of deal?
The product page has the complete program specifications, pricing, and qualification snapshot.
View Invoice Financing ProgramRelated Guides
Business Term Loan Guide
Lump-sum fixed-payment capital and how the amount is set by the lender, not the deal.
Read GuideWorking Capital Guide
Short-term operating capital, same-day options, and why it's not cheap long-term debt.
Read GuideEquipment Financing Guide
How the equipment itself secures the financing and how the amount is tied to equipment value.
Read GuideEducational content only. Guides describe how financing structures generally work and are not approvals, commitments, or guarantees of terms. Programs, eligibility, leverage, rates, fees, terms, timelines, and availability vary by provider, property, location, borrower qualifications, documentation, and deal structure. All financing is subject to independent provider review, underwriting, and final approval. Green Fire Strategies does not guarantee approval, terms, closing, or funding.
Prepare your deal and submit.
Submit once. We'll review the transaction and identify potential financing paths.