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Invoice Factoring for Small Business

We provide instant cash flow for unpaid invoices.

A trusted leader in small business invoice factoring.

Today’s small business owners face common financial challenges. Cash flow issues, tightening credit, late invoice payments, and unpaid invoices threaten businesses with slowed growth, reduced profits, and potentially even insolvency.

As a small business factoring company, Transwest Capital improves cash flow, offers easy access to funding, and protects your business’ bottom line. Our solutions give companies peace of mind, financial and operational support, and a launchpad to grow your business.

Transwest Capital’s full service invoice factoring solution means

POWER.

Convenient access to working capital lets you put money to work where you best see fit for your business.

CONTROL.

Retain complete control of your business - no repayment plan, no loss of equity, and no liabilities created on your balance sheet.

FREEDOM.

Outsourced billing frees you from having to collect payments and gives you more time to grow your business.

What Our Clients Say

  • "I have worked with Transwest Capital for over 10 years. First, when I was Vice President for my former employer and now as an owner of my own small trucking business. When I set out to find a factoring company- Transwest was my first choice."

    Donna S., Transwest Capital client

  • “This company is fabulous! The whole onboarding experience was very much supportive. Every step of the way was explained, demonstrated and executed very professionally.”

    Mary T., Transwest Capital client

  • “Factoring with Transwest Capital has been a breeze from the beginning. And easy process when setting up. No issues and got our first time funding that same day! They are always prompt and available...The entire team is great!"

    Estela C., Transwest Capital client

  • "I WAS STRUGGLING BAD AT MY PREVIOUS FACTORING COMPANY. I got a referral from a friend that told me all about there experience with transwest capital so I called them it was a amazing experience right from the first phone call... Now that I am here and the experience as promised is the best. Would definitely recommend to anyone and everyone.

    Robert H., Transwest Capital client

  • "This is the first time I used a factoring company, and I can honestly say I was pleasantly surprised by their professionalism and terrific customer service... It’s nice to see that there are still people out there who care and are willing to help you. This has been a very pleasant experience and I would recommend Transwest to anyone wanting a first class factoring company."

    Anthony F., Transwest Capital client

  • "Five stars are not enough to appreciate the help that Transwest gave me!"

    Brandon C., Transwest Capital client

  • "Awesome experience and service. Highly recommend this factoring company for anyone who wants things done efficiently and on time with professionalism."

    LaDarius P., Transwest Capital client

  • "Simple easy process , even for non technology savvy folks… Staff is very friendly and doesn’t never seem bothered even if I’ve called 5 times in one day, my concerns/questions were always handled with kindness and accurate information.. 10/10 recommend working with this company rather than those big guys ."

    Jeremiah M. Transwest Capital client

  • "Such a great experience with this factoring company. I didn’t know much about factoring and (they) took time to explain to me about exactly what it is, and how everything works...fees are completely reasonable and anything that is needed, I can contact them directly with absolutely no issues. Also, every process they have is easy to use, very self explanatory. I couldn’t have asked for a better experience!"

    Farheen D., Transwest Capital client

Top-Rated Customer Service

4.9

Rating on Google Reviews

as of 12/5/2024

203

5-Star Google Ratings

as of 12/5/2024

A few more reasons to choose Transwest Capital

Your success is our success. Since 2007, Transwest has helped our clients access the funding they need, and our 15+ years of experience have helped us refine our programs with customer-friendly features.

  • Our application process is simple. Just a brief application, credit check on your customers, and minimal documentation required. Get approved the same day!

  • We fund your business within hours. Instead of waiting 30 days or more for customers to pay their invoices, get paid today!

  • Our competitive factoring fee reduces costs and provide you with affordable access to working capital.

  • Our high advances rates provide larger upfront payments to get more money into your hands faster.

  • No long-term contracts.
    No monthly minimums.
    Choose which customers (accounts) you want to factor.

  • No setup fees.
    No invoice processing fees.
    No monthly minimum fees.

  • We’re an invoice factoring company that prides ourselves on outstanding customer service. You’ll never receive voicemail during business hours. Our knowledgeable and friendly staff are available 7am - 4pm PT, Monday through Friday. Have you heard about our 4.9 Google Review rating?

  • Our inclusive, value-added services (i.e. credit checks, collections, fuel cards) help our clients become more efficient and save more money.

  • Nuestro equipo de ventas y servicio hablan español con fluidez. ¡Llama hoy!

How Invoice Factoring Works

  • Factoring Account Setup

    Complete a one-time, brief application with typically same-day approval.

  • Sell Your Invoices

    Once account setup is finalized, sell/submit your outstanding invoices to Transwest Capital for funding.

  • Invoice Verification

    Transwest Capital verifies invoices prior to funding.

  • Same-Day Funding

    Once invoices are verified, Transwest Capital processes your invoice for same-day funding.

Still find yourself wondering “How Does Invoice Factoring Work?”

Visit our Invoice Factoring Beginner’s Guide to learn more about how invoice factoring works, why companies use factoring, pros and cons of factoring, and how to determine the fit for your company.

Getting Started is Simple - Here’s All You Need

  • B2B or B2G Sales

    Sales to business or government customers. (Factoring is not available for sales direct to consumers).

  • Creditworthy Clients

    Factoring approval is based on your client’s credit - not your personal or business credit.

  • Transaction Documents

    Documentation showing product or service delivery. (i.e. invoices, proof of delivery, etc.; may vary by industry)

  • Application

    Our application takes just a few minutes to complete with minimal documentation required. Apply and get approved the same day.

Get a Quote

 FAQs

  • The good news is YES! Unlike small business loans or line of credit, our factoring approval is not based on your personal or business credit. It is based on your clients’ credit. There is no personal credit check required to apply.

  • No problem! That’s what we’re here for. Give us a call - our company works with you to analyze your clients’ credit at no cost.

  • Yes - we specialize in helping clients transition from their existing factoring company. You can expect thorough follow-through for a seamless transition.

    It’s important to note that you should start the process immediately. Some factoring companies have restrictive contracts (unlike Transwest Capital), so it’s important to review the contract, identify timelines, and plan your transition.

  • Once your account setup is finalized, your first funding is typically completed within 48-72 hours. After your first funding is completed, you’ll be able to receive same-day funding.

  • We are headquartered in Visalia, CA with an additional office in Long Beach, CA. We serve businesses throughout the entire United States. Our office locations give us proximity to provide uniquely personable service to the California communities of Visalia/Tulare County, Fresno/Fresno County, Bakersfield/Kern County, Los Angeles County, Orange County, and the Inland Empire.

Ready to Roll?