Turn Pending B2B Invoices Into Immediate Operating Capital
Eliminate 30- to 90-day client payment terms. Access up to 90%+ of your outstanding receivables within 24 to 48 hours without taking on debt.
Advance Rates: Up to 90%+
Funding Speed: 24–48 Hours
Structure: Off-Balance-Sheet Liquidity
What Is Invoice Factoring?
Invoice Factoring (Accounts Receivable Financing) allows B2B companies to monetize unpaid customer invoices immediately rather than waiting weeks or months for clients to pay.
Instead of incurring restrictive bank debt or waiting on slow commercial payouts, St. Jude Capital purchases your verified receivables, advances immediate working capital, and collects payment directly from your commercial debtors according to their standard terms.
How It Works
1. Deliver Products or Services & Invoice Client
You fulfill your standard commercial contract, generate an invoice for your business customer, and submit a copy to St. Jude Capital.
3. Debtor Pays on Standard Terms
Your customer pays the invoice directly to the dedicated lockbox on their standard 30-, 60-, or 90-day timeline.
2. Receive Immediate Cash Advance
We advance 80% to 90%+ of the total invoice face value directly into your business bank account within 24–48 hours.
4. Final Reserve Release
Once the invoice is settled, the remaining 10% to 20% reserve balance is released to you, minus a small factoring fee.
Feature
St. Jude Capital Invoice Factoring
Traditional Bank Loan
Balance Sheet Impact
Adds Liabilities / Debt Balance
No Debt Asset Monetization
Aproval basis
Debtor (Customer) Credit Rating
Strict Historical Company Financials
Credit Facility Limit
Scales Automatically with Sales
Fixed / Capped Credit
Line
Speed to Funds
24 to 48 Hours
30 to 90 Days
Underwriting
Manufacturing & Distribution: Maintain continuous raw material purchasing and production schedules without cash-flow interruptions.
Construction Subcontractors: Bridge cash flow between progress billings, retainage holds, and material purchases.
Staffing & Professional Services: Fund weekly or bi-weekly payroll commitments seamlessly ahead of 60-day client invoicing.
Transportation & Logistics: Cover daily fuel, driver payroll, and dispatch overhead while waiting on freight brokers.
Core Industry Coverage
Our factoring lines are structured specifically for industries burdened by extended payment terms and heavy upfront operational overhead:
Qualify for a Factoring Line
Ideal Candidate Profile:
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B2B or B2G business models (selling to corporate or government credit-worthy clients).
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Monthly invoicing volume of $25,000 to $1,000,000+.
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Invoices free from prior liens or encumbrances.
Business Info
Office:
77 Pillsworth Rd, Unit #6, Bolton, ON
L7E 4G4, Canada
Email:
info@stjudecapital.com
Call Direct:
(437) 326-8038
Take Control of Your Working Capital