Invoice Factoring · Florida

Turn Unpaid Invoices Into Working Capital

VW Finance advances up to 95% of your outstanding invoices within 24 hours, so you can cover payroll, fuel, and growth without waiting 30, 60, or 90 days to get paid.

Get Funded in 24 Hours How It Works

Invoice #2041 — Freight Funded

Invoice amount $18,400

Advance (95%) $17,480

Time to funding 4 hrs 12 min

Why VW Finance

Cash flow without debt, dilution, or delay

Factoring is not a loan. We buy your invoices at a small discount and you get the cash now — no new debt on your balance sheet.

⚡

Fast Funding

Submit invoices online and receive your advance by wire or ACH, typically within one business day of approval.

🛡️

Credit Protection

We run credit on your customers before you extend terms, so you know who is safe to work with before the job starts.

📈

Scales With You

Your funding grows with your sales, not a fixed credit limit. Land a bigger customer and your available capital grows with it.

Industries

Built for the businesses that wait to get paid

Five industries. Five specialized programs. One fast path to working capital.

🚛

Trucking & Freight

Same-day funding on freight bills so you never park a truck waiting on a broker to pay.

Learn more →

👥

Staffing Agencies

Weekly payroll funding backed by your client invoices, timed to your pay cycle.

Learn more →

🏢

General B2B Services

Stop letting net-30/60/90 terms dictate your cash flow. Get paid the day you invoice.

Learn more →

🚢

Importers & Distributors

Free up the cash tied in delivered goods so you can place your next order sooner.

Learn more →

🏗️

Construction & Trades

Progress-billing funding for subcontractors and suppliers who can't wait on GC pay cycles.

Learn more →

Simple Process

From invoice to cash in four steps

Apply

A short application and your recent invoices. No application fee, decisions in 24-48 hours.

Submit Invoices

Send us invoices for delivered work or goods. We verify with your customer.

Get Advanced

80-95% of the invoice value hits your account, usually within one business day.

Receive the Rest

When your customer pays, you get the remaining balance minus our fee.

Your invoices are assets. Start treating them that way.

Every day an invoice sits unpaid is a day of payroll, fuel, and inventory you fund out of pocket. Factoring puts that money back to work immediately.

Client Stories

Trusted by Florida businesses

"We went from turning down loads to adding two trucks in six months. Invoices are funded the same day we deliver."

Marcus D.

Owner, regional carrier — Jacksonville, FL

"Payroll every Friday used to be a scramble. Now it's automatic. VW Finance funds our timesheets like clockwork."

Elena R.

Principal, healthcare staffing agency — Tampa, FL

"They vetted a new buyer's credit before we shipped a container. That one call saved us from a five-figure loss."

David K.

CEO, consumer goods importer — Miami, FL

Get your first invoice funded this week

No application fee. No long-term contract required. Tell us about your business and we'll respond within one business day.

Apply Now

Insights

Latest from VW Finance

May 1, 2017

Turn Unpaid Invoices Into Working Capital

Cash flow without debt, dilution, or delay

Fast Funding

Credit Protection

Scales With You

Built for the businesses that wait to get paid

Trucking & Freight

Staffing Agencies

General B2B Services

Importers & Distributors

Construction & Trades

From invoice to cash in four steps

Apply

Submit Invoices

Get Advanced

Receive the Rest

Your invoices are assets. Start treating them that way.

Trusted by Florida businesses

Get your first invoice funded this week

Latest from VW Finance

6 Tips For Getting Cheap Unsecured Loans

Personal Loans vs Payday Loans

4 Ways To Improve Your Chances Of Getting A Personal Loan