What's the lowest factoring rate at Nex?

Nex factoring rates can be as low as 1.5% per cycle for established businesses with strong customer concentration and clean AR. Rates scale with volume, customer credit quality, and average days-to-pay.

How fast can I get funded after factoring an invoice?

Same-day funding is standard at Nex once the facility is set up. Submit the invoice in the morning, funds wire to your account the same business day.

Does my factoring line grow as my business grows?

Yes. Nex factoring lines scale with your invoice volume automatically — no re-application required. Bring on a new customer or larger contracts and your line capacity increases accordingly.

Who collects the invoices when I factor?

Nex factoring includes collections as part of the standard service — your dedicated account manager handles customer follow-up and payment chase, freeing your AR team to focus on growth.

Home / Factoring

Rates as low as 1.5% · Same-day funding

Get paid today — not in 60 days.

Factor your B2B invoices and have the cash in your account the same business day. Rates as low as 1.5%. A dedicated account manager handles collections. Your line grows with your AR — no re-applications, ever.

Apply for factoring Run the savings calculator

1.5%

Lowest rate per cycle

Same day

Funding turnaround

Dedicated

Account manager, not a queue

Elastic

Line grows with your AR

The Nex factoring difference

Factoring built like a partner, not a transaction.

As low as 1.5%

Rates as low as 1.5%

Your specific rate is set by invoice volume, customer credit quality, and days-to-pay — but for qualified businesses, the lowest tier is 1.5%. We quote you in plain numbers, not ranges.

Same-day

Same-day funding, no waiting room

Submit before noon — funds wire same business day. Most clients fund within 4 hours of submission. Cash flow becomes a button, not a bottleneck.

Dedicated AM

A real account manager, by name

No ticket queue. A real person who knows your customers, industry, and file. Reach them directly. EN · PA · HI.

Collections included

We chase payment — you grow the business

Part of the service, not an upsell. Your AM handles customer follow-up on-brand — saving your AR team 10–20 hours a week.

Grows with you · No re-application

A line that scales as your AR scales

Sign on at $100K/mo. Land a contract that doubles you to $200K. Your line scales automatically — no new app, no underwriting redo. You sell more, we fund more.

$100K

Month 1

→

$500K

Month 12

How factoring works

From invoice to cash in three steps.

You invoice

Issue invoices like you always have

Invoice customers on your terms. You decide which invoices to factor — you don't have to factor all of them.

We fund

Submit. Get funded same-day.

Upload the invoice. Within hours, 80–95% of value wires to your account. Reserve releases when your customer pays — minus the factoring fee.

We collect

Customer pays us. Loop closed.

Your customer pays a Nex lockbox on normal terms. We reconcile, release the reserve to you, and the facility is ready for the next invoice.

Built for

B2B businesses with strong customers and 30–90 day payment terms.

Trucking & Logistics

Freight bills, broker invoices, owner-operator loads.

Staffing & Services

Payroll-heavy businesses with corporate clients on net-30/60.

Wholesale & Distribution

Selling to retailers, restaurants, or industrial buyers on credit.

Manufacturing

Custom and contract manufacturing with milestone invoicing.

Construction Subs

Subcontractors waiting on progress draws and holdbacks.

Oilfield Services

Service rigs, hot-shot, completions — fast-cycle invoice volumes.

The savings calculator

See your real savings against what you pay today.

Drop in your monthly invoice volume and what you currently pay — for factoring or a working-capital line of credit. We'll show your eligible Nex factoring rate and the annual spread, in plain dollars.

Compare against

Monthly invoice volume$80,000

Avg days customers take to pay45 days

Your current factoring rate per cycle3.0%

Your current LOC annual interest rate14.0%

Your eligible Nex factoring rate

2.5%

Volume-based pricing. Move the volume slider to see how your rate changes.

Annual savings on Nex

Based on your current factoring rate.

	Current factoring	Nex factoring
Annual financing cost	$0	$0
Effective annual rate	0%	0%
Annual delta	$0

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Calculator output is illustrative. Your final factoring rate is set by your funder based on monthly volume, customer credit quality, average days-to-pay, industry, and contract length. See the disclosures for full details.

FAQ

Factoring, plainly explained.

Nex factoring rates can be as low as 1.5% per cycle. Your specific rate depends on your monthly invoice volume, your customer credit quality, average days-to-pay, and industry. Higher volumes and stronger customer profiles unlock the lowest tier.

Most factoring facilities go live within 3–7 business days from a complete application. Once set up, individual invoice funding is same-day.

No. Nex offers selective (or spot) factoring on most files — you choose which invoices to factor and when. Some lender programs require full-AR commitment for the best rates; we'll lay both options out and let you decide.

When you factor an invoice, you receive 80–95% of the face value immediately. The remaining 5–20% is held as a reserve. When your customer pays the invoice in full, the reserve is released to you minus the factoring fee. Reserve percentages depend on customer credit and industry.

In most factoring programs, yes — customers pay to a Nex-controlled lockbox and may receive a notice of assignment. We handle this communication professionally on your behalf. If invisibility to your customers is critical, ask your advisor about non-notification facilities — they exist for higher-volume files with strong AR quality.

Contract terms vary by lender. Nex represents multiple factoring desks, including options with month-to-month terms, 6-month, and 12-month commitments. We'll match you to the structure that fits your stage — long contracts come with lower rates, shorter contracts with more flexibility.

Stop waiting 60 days to get paid.

Apply for factoring with Nex. Your line goes live within a week. Then it's same-day funding from there on.

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