{"id":93510,"date":"2026-04-06T17:54:52","date_gmt":"2026-04-06T16:54:52","guid":{"rendered":"https:\/\/invoicefly.com\/?p=93510"},"modified":"2026-04-06T17:54:53","modified_gmt":"2026-04-06T16:54:53","slug":"financiacion-de-facturas","status":"publish","type":"post","link":"https:\/\/invoicefly.com\/es\/academy\/invoice-financing\/","title":{"rendered":"\u00bfQu\u00e9 es la financiaci\u00f3n de facturas y c\u00f3mo funciona?"},"content":{"rendered":"\t\t
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Invoice financing is a funding method businesses use to access cash tied up in unpaid invoices. If you\u2019ve ever finished a job, sent the invoice, and then waited weeks (or months) to get paid, you know how frustrating that gap can be. Invoice financing helps bridge that gap by giving you access to money you\u2019ve already earned.<\/p>\n\n\n\n

Instead of waiting 30, 60, or even 90 days for customers to pay, you can receive an advance \u2014 often up to 85\u201390% of the invoice value \u2014 from a lender. This form of accounts receivable financing helps keep cash flow steady, so you can cover expenses, pay your team, and keep growing. In this guide, we\u2019ll explain how invoice financing works, which businesses benefit most, and how it compares to invoice factoring.<\/p>\n\n\n\n

\"Business<\/figure>\n\n\n\n

What is invoice financing?<\/strong><\/h2>\n\n\n\n

Invoice financing is a short-term form of accounts receivable financing that allows businesses to access working capital by borrowing against unpaid B2B invoices. <\/p>\n\n\n\n

It is a way for businesses to access working capital by using unpaid invoices as collateral. Rather than waiting for clients to pay on their schedule, you receive an immediate advance on what you’re already owed.<\/p>\n\n\n\n

The lender provides a percentage of the invoice value upfront \u2014 typically 85\u201390% \u2014 and holds the remainder as a reserve. When your customer pays the invoice, the lender releases the reserve balance minus their fees. You stay in control of collections, and in many cases, your customers never know financing is involved.<\/p>\n\n\n\n

To understand why this matters, it helps to know what an invoice is<\/a> and how it functions as a formal request for payment. Every unpaid invoice represents real money your business has earned but hasn’t yet received \u2014 and invoice financing turns that gap into an opportunity rather than a liability.<\/p>\n\n\n\n

The SBA<\/a> identifies invoice financing as one of the primary ways small businesses can access working capital, particularly when traditional loans aren’t the right fit.<\/p>\n\n\n\n

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Send Invoices in Seconds<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Set up in 1 minute, send invoices in 2 \u2014 it\u2019s that simple with Invoice Fly.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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How invoice financing works<\/strong><\/h2>\n\n\n\n

Businesses typically access invoice financing through banks, online lenders, or specialty invoice financing companies. The process itself is straightforward and follows a clear sequence:<\/p>\n\n\n\n

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  1. Issue the invoice.<\/strong> You complete work or deliver goods and send an invoice to your client with agreed payment terms<\/a>.<\/li>\n\n\n\n
  2. Submit the invoice.<\/strong> You submit that invoice to your financing company for review.<\/li>\n\n\n\n
  3. Receive the advance.<\/strong> The lender advances you a percentage of the invoice total \u2014 usually 85\u201390% \u2014 often within one to three business days.<\/li>\n\n\n\n
  4. Customer pays.<\/strong> Your client pays the invoice according to your agreed terms, either directly to you or to the lender depending on your arrangement.<\/li>\n\n\n\n
  5. Lender releases the reserve.<\/strong> Once payment is collected, the lender deducts their fees and releases the remaining reserve balance to you.<\/li>\n<\/ol>\n\n\n\n

    Fees typically range from 1\u20135% of the invoice value, depending on the lender, the invoice amount, and how long the invoice takes to be paid. The longer it takes your customer to pay, the higher the total cost may be.<\/p>\n\n\n\n

    How to qualify for invoice financing<\/strong><\/h3>\n\n\n\n

    Qualification requirements vary by lender, but most invoice financing companies focus primarily on the creditworthiness of your clients rather than your own credit history. Key requirements typically include:<\/p>\n\n\n\n