FACTORING LOANS

Turn Your Invoices into Immediate Cash Flow

Rams Head Funding offers flexible factoring solutions that help business owners access working capital faster, without taking on new debt.

Cash flow shouldn’t hold your business back.

With factoring from Rams Head Funding, you can convert outstanding invoices into immediate working capital, giving you the freedom to manage payroll, inventory, or new opportunities without waiting on slow-paying clients.

What Is Factoring and How Does It Work?

It’s not a loan: it’s your money, unlocked faster.

Factoring, also called invoice financing, allows you to sell your unpaid invoices to Rams Head Funding at a small discount in exchange for quick cash. Instead of waiting 30, 60, or 90 days for payment, you receive most of the funds upfront, and we handle collection from your clients.

Why Choose Factoring with Rams Head Funding?

Immediate Cash Flow

Get paid within 24–48 hours of invoice approval.

Relationship-Focused

You’ll work directly with a team that understands your business, not a faceless fintech platform.

Flexible & Scalable

Use only when needed, for any size invoice.

No New Debt

Factoring is not a loan, so it doesn’t affect your credit.

Transparent Fees

No hidden charges or long-term commitments.

Is Factoring Right for Your Business?

Factoring can be an ideal solution for industries where payment terms are long or seasonal demand causes uneven cash flow.

Common examples include:

Construction & subcontracting

Transportation & logistics

Manufacturing & distribution

Staffing agencies

Service-based B2B companies

How Our Factoring Process Works

1

Submit Your Invoices

Send approved invoices from creditworthy customers.

2

Get Funded Fast

Receive up to 90% of invoice value within 24–48 hours.

3

We Collect Payment

Rams Head Funding manages collection professionally.

4

You Get the Remainder

Once your client pays, you receive the balance minus our small fee.

A Real Example

Turning Waiting Time into Working Capital

A regional logistics company needed quick access to funds during peak season but couldn’t wait 60 days for client payments. By factoring their invoices, they accessed immediate cash flow to pay drivers, fuel costs, and maintenance — keeping operations smooth and stress-free.

More Than Funding

A Financial Partner You Can Trust

We’re not just here to advance money. Rams Head Funding was built on relationships, transparency, and helping business owners grow. Our team takes the time to understand your goals and tailor a solution that truly fits.

Frequently Asked Questions About Factoring

Is factoring the same as a loan?

No. Factoring lets you access funds you’ve already earned by selling your invoices — without adding debt or monthly payments.

How quickly can I get funding?

Most businesses receive funds within 24–48 hours after invoice approval.

Do you work with startups or smaller businesses?

Yes. As long as your customers are creditworthy, we can help you unlock cash flow.