FAST & RELIABLE FUNDING FOR SMALL BUSINESS
Improve Cash Flow & Drive Business Growth
Our invoice factoring services provide easy access to same-day funding for small businesses. Turn your unpaid invoices into cash. Get Tomorrow’s Money Today!
200+ 5-Star Reviews
Immediate, predictable cash flow
Scalable funding for growth
Efficient A/R management
Tired of stressing over cash flow while your invoices remain unpaid?
Struggling to pay vendors or make payroll - Having to delay payments because the cash you need is stuck in a customer’s payment cycle, leading to late fees, damaged relationships, or harm to your credit.
Wasting valuable time chasing payments - Spending many hours following up on invoice payments, which takes your time away from growing your business and earning more revenue.
Missed growth opportunities - Being unable to take on larger, more profitable jobs or purchase inventory/equipment because your working capital is tied up in accounts receivable.
Factor Your Invoices with Transwest Capital for Fast & Reliable Funding
Whether you’re starting out, or looking to take your business to the next level, Transwest Capital is here to help.
Since 2007, we’ve helped thousands of clients fund their business with our invoice factoring solutions. Our clients enjoy a simple application process, quick access to funds, and expert accounts receivable management to maintain and grow their businesses. We’re hopeful to be a part of your success story as well.
Stop Waiting, Start Growing:
Get Same-Day Funding Based on Your Customers’ Credit
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Quick and Easy Approval
Apply within minutes. Get approved within hours.
Don’t let business history or less than perfect credit hold you back.
Approval largely based on the creditworthiness of your customers. -
Fast Funding that Grows with Your Business
Same-day funding for unpaid invoices.
Access to funding increases automatically as your sales and accounts receivable grow. -
Customer Service You Can Rely On
No outsourcing. No bots. No voicemail during business hours.
Real, dedicated account managers provide personalized service for quick response and resolution.
Experience the Transwest Capital Difference:
Speed, Service, and Success
“Great communication & fast funding. I’ve never had an issue with any funding needs with Transwest Capital. Thank you to the entire team.”
“As a customer for nearly 15 years, I’ve learned to be cautious in my partnerships, but I can confidently say that my experience with you has been nothing short of excellent.”
“Working with Transwest Capital has been a game-changer for our business. If you’re looking for a financial partner that truly cares about your success, I highly recommend Transwest Capital!”
We have 200+ 5-Star Reviews on
3 Simple Steps to Turn Invoices into Fast, Scalable Business Funding
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Step 1: Get a Quick Quote
Get a quote within minutes.
If you like what you hear, we’ll process an application and work quickly to setup your account. -
Step 2: Submit Your Invoices
Upload your invoices in our convenient web portal.
We’ll provide same-day funding upon account setup and invoice verification with your customers. -
Step 3: Repeat for Reliable, Scalable Funding
Never wait for payments again.
Use your funding and time savings to grow your business.
Funding access automatically grows as your business grows.
10 Reasons Why Clients Choose Transwest Capital
Price Transparency
Simple fee structures, clear terms, and no hidden fees.
High Quality Customer Service & Responsiveness
Dedicated account managers who are known for reliability.
Experience & Expertise
We’ve helped thousands of happy clients since 2007.
Manage Invoices from Anywhere
Convenient web tools for submitting invoices and A/R oversight.
Outsourced Credit Department
We’ll help protect you from risk of non-payment or slow payments.
Value-Added Services
We’ll help you save on business expenses (i.e. fuel, credit checks)
Reputation & Reviews
4.9 rating on Google Reviews. More than 200+ 5-Star reviews.
Flexibility
Choose which invoices (accounts) you want to sell.
Easy Come
Simple application. No startup fees. Approval within hours.
Easy Go
Clear, fair, assisted termination process if/when needed.
Fast, Flexible, & Fully Supported Invoice Factoring for Small Business
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Fast Funding
We fund your business within hours. Instead of waiting 30 days or more for customers to pay their invoices, get paid today!
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Simple Application
Our online application takes just 5 minutes and minimal documentation is required.
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Quick & Easy Approval
Applications are approved within hours. No personal credit checks. Less than perfect credit and backgrounds accepted.
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Low Factoring Rates
Our competitive factoring fee reduces costs and provide you with affordable access to working capital.
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High Advance Rates
Our high advances rates provide larger upfront payments to get more money into your hands faster.
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Fuel Card Discount Program
Trucking clients save an average of $0.53/gallon at more than 2,000 locations nationwide.
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No Setup Fee
We do not charge a fee to process an application or setup account. The first fee is not earned until first invoice funding.
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No Monthly Minimum Fees
We do not charge a monthly minimum fee or penalty if you do not factor a minimum amount each month.
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Free Credit Checks
Reduce the risk of non-payment or slow payments with credit checks provided at no cost to you.
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Simple Invoice Submission Process
Our convenient web portal lets you submit invoices with minimal data entry and just a few clicks.
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Full-Service Billing
Our team can send invoices on your behalf and will follow up on payment status, saving you valuable time and effort.
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24/7 Online Reporting
Maintain oversight of your account and review invoice status anywhere, anytime.
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Dedicated Account Managers
Your account is serviced by a team of dedicated account managers who know your account and provide prompt resolutions.
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Hablamos Español
Nuestro equipo de ventas y servicio hablan español con fluidez.
Frequently Asked Questions About Invoice Factoring & Transwest Capital
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Invoice factoring is the sale of your unpaid invoices to a financial company at a small discount in exchange for same-day payment.
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No, factoring is not a loan. You are selling an asset (your invoice), so it does not require repayment like a loan does.
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Invoice: You deliver goods/services and invoice your credit-worthy business (B2B) or government (B2G) customer.
Sell: You sell the invoice to the factoring company.
Advance: We immediately advance you a majority of the invoice value (typically 80% to 98%).
Collection: Your customer is notified to send payment to us.
Invoice Payment and Reserve Release: Once we receive payment, we send you the remaining reserve balance, minus our factoring fee.
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A wide variety of businesses that sell on credit terms (i.e. Net 30, Net 60, etc.) use factoring.
It can be a great financial tool for startups, those who might be struggling with approval for traditional financing, and businesses with seasonal fluctuations or experiencing rapid growth.
Common industries include transportation/trucking, staffing, manufacturing, oil/gas, construction, and government contracting.
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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.
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No. Approval is largely based on the creditworthiness and payment history of your customers (the debtors), as they are the ones who will ultimately pay the invoice.
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No. Factoring is an excellent option for start-up businesses because eligibility is based on the quality of your customers' credit, not your time in business or financial history.
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Eligible invoices must be:
For completed work: The goods/services have been fully delivered.
B2B or B2G: Payable by another business or government entity.
Current: Not overdue (usually < 90 days old).
Unpledged: Free of liens.
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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
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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.