Invoice factoring is uniquely powerful: it's funded against your customers' credit, not yours, so even bad-credit businesses qualify. But factors specialize hard — one does trucking freight bills, another staffing, another manufacturing. Go to the wrong factor and your invoices don't fit. Here's how to find the one that funds yours.
Why one factor rarely fits your invoices
Factoring approval depends on your customers and your industry, not just you. A factor that specializes in trucking won't price a staffing agency well. One that wants Fortune 500 debtors won't touch your small-business clients. Each factor has a narrow lane — and your invoices either fit it or they don't. Reaching 50+ means finding the lane that's yours.
One factor = one invoice type
They buy the receivables they understand, from the industries they like. If your customer mix or industry isn't their specialty, you're declined or priced poorly.
50+ factors = your invoices funded
We match your industry and customer base to the factors that specialize in them — trucking, staffing, manufacturing, B2B services — and negotiate the advance rate and fee.
Going to one funder vs. The Broker Shop
| What matters | Going to one funder | The Broker Shop |
|---|---|---|
| Invoices they buy | Their one specialty | Trucking, staffing, manufacturing, B2B — 50+ factors |
| Underwrites on | Their narrow criteria | Your customers' credit, not yours |
| If your industry isn't their lane | Declined or priced high | Matched to a factor who specializes in it |
| Who negotiates the advance rate | No one | We do, across 50+ factors |
| Cost to you | Varies | $0 — the lender pays our fee |
Factoring is funded on your customers, not you
That's why factoring works for bad-credit and newer businesses — the factor cares about your customers' ability to pay. But each factor only buys the invoices it understands. The right match gets you 80-95% advanced at a low fee; the wrong one declines you.
The Broker Shop connects you to 50+ factoring companies at once, matches your industry and receivables to the right specialist, and negotiates the advance rate and fee. Free to you.
Find My Factor →What actually determines your cost
With invoice factoring, these factors decide your cost:
- Your customers' creditworthiness — the #1 factor; strong debtors get the best rates.
- Your industry — matching to a specialist factor lowers your fee.
- Invoice volume and size — higher volume earns better terms.
- How many factors compete — one offer vs. 50+ bidding.
- Whether anyone negotiates — a broker pushes the advance rate up and the fee down.
Learn how invoice factoring works, or compare all funding options.