Accounts Receivable Financing

Turn unpaid invoices into working capital.

Your outstanding receivables are more than just pending payments—they’re an asset. Use them as collateral to access fast, flexible funding and keep your business moving forward. With LimeLyne’s AI-driven lender matching, L.I.M.E., you unlock the best financing offers in 24 hours or less. No delays. No hassle. Just smarter funding.

Smart. Simple. Hassle-free.Let’s get you funded.

8%

Rate as low as

5-60 Months

Term

$10K-$10M

Amount

48 Hours to 2 Weeks

Time to Fund

What is Accounts Receivable Financing?

Also known as asset-based lending or invoice financing, Accounts Receivable (AR) Financing allows businesses to use outstanding client payments as collateral instead of relying on credit scores. This strategy helps maintain liquidity while unlocking the funds needed for growth.

• Credit score is not a major factor
• Unlocks tied-up equity for immediate use
• Can be structured as a line of credit where applicable
• Supports payment terms of Net 30 to 120 days

Is an Accounts Receivable Loan Right for You?

Who Benefits Most from This Financing Model?

This type of loan is a proven strategy for businesses experiencing high growth, that have heavy payroll, have supplier payments, plus operations that are stable but need to use cash flow elsewhere..

Accounts Receivable Financing is ideal for businesses that:

• Are experiencing high growth
• Have heavy payroll and supplier payments
• Need to maintain operational stability while using cash flow elsewhere

What’s the Most Important Qualification?

The key factor is that your clients/customers are creditworthy. The stronger their financial standing, the better the approval terms you can secure.

Why should I keep my cash?

Reinvestment, expansion, new equipment — there’s a wide range of reasons, all of which are possible when you can maintain liquidity instead of making more monthly payments.

Keep Cash On Hand

Maintaining liquidity allows you more flexibility to run, reinvest, and grow your business.

More and better options

Qualifying businesses can typically attract more options from lenders with more favorable terms than alternatives.

Turn Debt Into Credit

Shift existing term or fixed debt into a line of credit for even more liquidity and leverage to grow.

Borrow Big or Small

Financing ranges from $10,000 to $10,000,000 to fit short-term needs or big business moves.

Beyond the ability to keep your cash in your operation as you grow — Accounts Receivable Financing allows many businesses to land more options from lenders on more favorable loan terms. Another advantage is being able to shift existing term or fixed debt into a line of credit or factoring facility that will improve cash flow and your business’s liquidity.

Advantages

• Fast approval and time to fund
• Competitive rates as low as 8%
• Funds can be used for a range of business needs

What you’ll need to apply

1. Business Debt Schedule
2. 2 Years Business Tax Returns
3. Accounts Receivable Report
4. Interim YTD Financials (Profit & Loss Statement & Balance Sheet)

Minimum qualifications

1. No minimum FICO score
2. 2 years in business
3. Stable or growing income

Let’s get down to small business.

There’s the 1West way to get smart financing fast — and there’s everything else. We believe in your small business, and we believe in our approach. No nonsense. No surprises. Just expert guidance from start to finish.

Join our SME community

“Expanding a fine dining restaurant takes vision—and the right financial partner. LimeLyne made it possible for me to renovate our space, upgrade kitchen equipment, and enhance our guest experience without the usual funding headaches. Their process was fast, transparent, and tailored to my needs. Thanks to their support, our restaurant is thriving, and I can focus on what I do best—creating unforgettable culinary experiences. Highly recommend!”