Invoice Factoring
Sell open invoices for immediate cash instead of waiting 30–90 days.
- Advance up to 90% of face value
- Reserve released on debtor payment
- Credit checks on your customers included
AI-assisted factoring & supply-chain finance for American businesses.
Six programs, one platform. Expand any card to see how it works.
Sell open invoices for immediate cash instead of waiting 30–90 days.
Fund supplier payments so you can fulfill large orders you couldn't otherwise take.
Buyer-led programs that pay you 100% early while your customer keeps their terms.
Choose who carries the risk if a customer fails to pay — priced accordingly.
Factor a single invoice when you need it — no long-term contract required.
Manage fuel and operating costs with controls tied to your funding line.
Approved invoices are advanced the same business day, so payroll and fuel never wait on your customers.
One clear rate per 30 days. No hidden lockbox, ACH, or maintenance fees buried in the fine print.
AI scores your debtors in minutes; a real underwriter signs off. Fast decisions you can actually reach a person about.
A 40-truck carrier waiting 45 days on broker payments.
Result: Same-day advances cut their cash cycle to under 24 hours and funded two new lanes.
A supplier to big-box stores with 60-day net terms.
Result: Supply-chain finance unlocked $1.2M in working capital without adding debt.
A subcontractor stretched by slow progress billing.
Result: Spot factoring on milestone invoices kept three job sites fully staffed.
Debtors we fund receivables against
"POTARTA funds the same day we invoice. Our drivers get paid on time and we finally stopped chasing brokers for money."
Maria DelgadoCOO, regional freight carrier
"The pricing is exactly what they quoted — no surprises. The AI scoring told us which customers to trust before we shipped."
Devin ParkOwner, industrial supply company