Accounts Receivable Financing
Help your business thrive by Leveraging your
Accounts Receivable into immediate cash FLOW.
What is A/R Financing?
Accounts receivable (A/R) financing allows businesses to access the value of unpaid invoices to access immediate working capital. This flexible alternative to traditional bank loans is ideal for businesses that:
- Are experiencing steady growth or expansion.
- Face seasonal or dynamic cash flow fluctuations.
- May not yet qualify for a traditional bank loan.
- Have exhausted their existing line of credit.
Get the cash you need!
Get the cash you need!
How Does A/R Financing Work?
With A/R financing, your unpaid invoices become the foundation of a revolving line of credit. Here’s how it works:
- Establish a Borrowing Base: You submit your outstanding invoices to SouthStar Capital. These invoices represent money your customers owe you.
- Quick Advances: You receive up to 90% of the invoice value within days.
- Payment Collection: Your customers pay SouthStar directly.
- Revolving Credit: SouthStar deducts a financing fee and releases the balance back to you as invoices are settled. You can add new invoices to your borrowing base, ensuring ongoing access to funds.
SouthStar Advantage
A/R Financing
Support— A dedicated account service team to work with your staff.
Why Choose A/R Financing?
A/R financing is an effective solution for businesses needing to stabilize cash flow or fund growth. SouthStar Capital provides the liquidity you need to:
Make Payroll
Pay Vendors and Suppliers
Fulfill New Orders
Purchase New Inventory
Expand Operations
Handle Unexpected Expenses
SouthStar Advantage
A/R Financing
Pursue Better & Bigger—Confidently pursue better and bigger accounts knowing you’ll have cash availability.
What Our Clients Say
We approached SouthStar because our accountant highly recommended them, but we expected a turndown as we were behind with the IRS. To our surprise, SouthStar assisted in structuring a payment plan with the IRS and offered us a Receivables Line!
My business was literally month-to-month. My business partner and I would sit down with the finances and discuss closing the doors… Our customers’ slow pay held our cash flow for ransom. The day my SouthStar rep walked through our door was the day our business turned around. Now, we have the cash we need to deliver projects on time.
I am a small business owner with limited working capital. My workload increases 200% in the summer. SouthStar allows me to pay my employees on time without waiting for my net 30 invoices to be paid. They are a lifesaver. Customer service is exemplary. Any questions I have had are handled efficiently and expeditiously. I am a satisfied customer!
We had the opportunity to bid on a huge project that our competitor dropped the ball on. We needed access to cash to staff up and prepare to handle this opportunity. I went to my bank and others, and I was turned down. They didn’t like the fact that we had negative growth in the last year. Never mind that we had double-digit growth for the previous 8 years! After being turned down by five banks, we accepted the fact that we would have to pass on the project. Then SouthStar Capital met with us and put together a finance strategy for getting us the cash we needed. We won the project and are on track for our most profitable year in 9 years!
SouthStar Capital provides a useful, cost-effective service for small businesses that need to maintain cash flow while waiting for customers to process payments through their system. It’s an easy process that comes in handy when the workload is heavy and requires capital, but payments for services already rendered are still in receivables. If you find yourself with money owed but low funds in the bank to handle new projects or purchase new materials, give them a call, and one of their friendly, professional representatives will guide you through the process. This is not a paid-for ad…. I really did write this and mean it.