Green Financial - High risk merchant accounts and business financing
Apply

Accounts Receivable Financing

Stop waiting 30, 60, or 90 days for customers to pay.

Unpaid invoices represent real money your business has already earned – it’s just sitting in your customers’ accounts. Accounts receivable financing converts those invoices into immediate working capital, so you can cover operations, restock inventory, and keep moving without waiting on slow payment cycles.

 
 
Apply Now
Free Consultation

70-85%

Invoice Value via Factoring

24-48hr

Funds After Invoice Verified

$0

Additional Collateral Needed

Free Consultation

Tell us about your invoices. We'll find the right structure.

No commitment. We assess your receivables and guide you through options.
 
Or call directly: (424) 244-0424

24-48hr

Factoring funds after verification

70-85%

Invoice value via factoring

No Collateral

Beyond your invoices

High-Risk

Industries welcome

What Is It

Your unpaid invoices are an asset. Start using them.

Accounts receivable financing is a way to convert outstanding invoices into immediate working capital. Instead of waiting weeks or months for customers to pay, you get a substantial portion of that invoice value upfront – and the rest when your customer settles the invoice.

 

Unlike traditional loans, AR financing does not create new debt on your balance sheet. You are not borrowing against future income – you are accessing money you have already earned. This makes it a cleaner option for businesses that want capital without additional liabilities.

 

Green Financial offers two forms of AR financing: factoring (for invoices on goods already shipped) and purchase order financing (for orders that have not gone into production yet). Each serves a different stage of the order cycle.

How AR Financing Flows
 

📋

Invoice or PO Created

Your customer places an order or you ship goods and issue an invoice.

🔍

Invoice Submitted to Green Financial

70-85% of invoice value (factoring) or 50-60% of PO value deposited in 24-48 hours.

💸

Advance Paid to You

70-85% of invoice value (factoring) or 50-60% of PO value deposited in 24-48 hours.

Fast

🤝

Customer Pays the Invoice

Payment goes directly to the factor. Timeline: 30-90 days for factoring, 60-120 days for PO.

✅

Remaining Balance Forwarded

You receive the remaining invoice amount, minus the factoring fee, once your customer pays in full.

Complete

Two Types of AR Financing

Factoring and PO Financing - how they differ and when to use each.

Both convert receivables into working capital. The key difference is timing: factoring works after goods are shipped, while PO financing kicks in before production begins.

Factoring

Invoice Factoring

Factoring begins once the product has been shipped and the Bill of Lading has been released. You sell your outstanding invoice to the factor in exchange for immediate cash. The factor then collects payment directly from your customer when the invoice is due.

Approval and rates are determined largely by the creditworthiness of your customers - not your business's credit score. The factor is taking on the risk of customer non-payment, so they focus on who is paying.

Key point: Factoring is dependent on your customers’ ability to pay. The factor collects directly from them, so their creditworthiness is the primary factor in rate and approval decisions.

PO Financing

Purchase Order Financing

PO financing provides funding when a Purchase Order is submitted, before production or fulfillment begins. It covers your cost of goods so you can fulfill the order without dipping into working capital. More involved than factoring - the lender assesses both your business and your customer.

Because PO financing involves a longer cycle and greater responsibility for fulfilling the order, it is typically more expensive. But for businesses that need upfront production capital to take on larger orders, it removes the constraint of cash on hand.

Key point: PO financing involves risk assessment of both your business and your customer’s reliability, given the extended period and the responsibility for fulfilling the order before payment is received.

Which Option Fits

Factoring or PO Financing - which situation fits yours?

Choosing between the two comes down to where you are in the order cycle and what your business needs capital for.

Choose Factoring When...

Goods are shipped, invoices are out, and you're waiting to get paid.

Factoring is the right fit when your business has already fulfilled the order and issued invoices - and now needs the cash without waiting 30, 60, or 90 days for customers to pay. Lower rates and faster setup than PO financing.

Choose PO Financing When...

You have a large order but need capital to cover production and supply costs upfront.

PO financing works when a purchase order has been submitted but production has not started yet. If taking on the order would stretch your cash position, PO financing covers supplier and production costs so you can fulfill it without compromising your working capital.

Consider Both When...

You need capital across the full order cycle, from production to payment.

Some businesses use PO financing to cover production costs, then convert to factoring once goods are shipped and invoices are issued. This approach bridges the entire order-to-payment cycle and keeps capital available at every stage.

Not Sure?

Contact us for a free consultation.

We'll review your current invoices, order cycle, and industry to identify which structure fits your situation - or whether a different funding product might serve you better.

Talk to Us

Benefits

Eight reasons businesses use AR financing.

⚡

Immediate Access to Capital

Convert unpaid invoices into cash within 24-48 hours of verification. No waiting on customers' payment cycles - you have access to funds the moment goods are shipped and invoices are submitted.

📊

No New Debt on Your Balance Sheet

AR financing is not a loan. You are accessing capital tied to invoices you have already issued - not borrowing against future revenue. This keeps your balance sheet clean without adding new liabilities.

💰

Improved Cash Flow Management

Turning receivables into cash gives you reliable working capital for day-to-day expenses, payroll, and inventory purchases - without the financial uncertainty of waiting on customer payments.

🔄

Flexibility in Funding

Access funding based on your actual invoices - you finance what you need, when you need it. No commitment to a fixed loan amount. Your available capital tracks with your business's real revenue.

🚀

Supports Business Growth

With reliable cash flow, you can take on new orders, expand operations, or invest in growth without being constrained by slow-paying customers. Take the large order instead of turning it down.

🔓

No Additional Collateral Required

AR financing uses your invoices as the collateral. Unlike asset-based loans, you do not need to pledge inventory, equipment, or property. Your receivables are the only security required.

✅

Credit Score Plays a Smaller Role

Approval is tied primarily to your customers' creditworthiness - not your business's. If your customers are reliable, your credit history is a secondary consideration, not a gate.

🏭

Built for High-Risk Industries

Green Financial specializes in AR financing for CBD, vape, kratom, cannabis accessories, nutraceuticals, SARMs, peptides, and legal mushrooms - industries that standard lenders routinely decline.

Industries Served

High-risk industries we support with AR financing.

Standard lenders decline AR financing for high-risk industries based on product type alone. Green Financial works with all of these and more.

  • CBD Stores
  • Vape / Smoke Shops
  • Kratom Retailers
  • Kava Bars
  • Cannabis Adjacent
  • Nutraceuticals
  • SARMs / Peptides
  • Legal Mushrooms
  • THCA / Cannabinoids

FAQ

Accounts receivable financing questions.

AR financing allows businesses to access immediate capital by using unpaid invoices or purchase orders as collateral. For high-risk industries like CBD, kratom, and cannabis, it provides a reliable way to manage cash flow, cover operational expenses, and fund growth without waiting on customer payment cycles.
 
 
Factoring provides funding based on invoices for goods already shipped, with funding amounts typically between 70% and 85% of the invoice value. PO financing kicks in when a purchase order is submitted before production begins, covering 50-60% of the PO value. PO financing is generally more expensive and involves more scrutiny because it covers a longer order cycle with more risk.
With factoring, you typically receive between 70% and 85% of your invoice value upfront. The exact amount depends on your customers’ creditworthiness, as they are ultimately responsible for paying. The remaining percentage, minus the factoring fee, is pai to you once your customer settles the invoice.
 
 
PO financing provides funding before production begins, covering 50-60% of the purchase order value. It is used to pay suppliers and cover production costs. The financing is repaid once the completed order ships, the customer is invoiced, and payment is received – typically over a 60-120 day cycle.
 
Factoring costs generally range from 1% to over 2% per month, depending on your customers’ credit profile. PO financing is typically more expensive, with rates starting at 2-3% every 30 days, reflecting the higher risk and longer repayment timeline.
 
 
Funds are typically available within 24 to 48 hours after your invoices are verified and approved. Most factoring transactions complete within a 30-45 day period, though terms can extend to 90 days based on your customer agreements.
 

Other Funding Options

Explore other ways to fund your business.

If AR financing isn’t the right structure for your situation, one of these may be a better fit.

💳

Unsecured Line of Credit

No collateral needed. Revolving access to capital based on creditworthiness.

Learn More

🔄

Business Line of Credit

Collateral-backed revolving credit for ongoing operational flexibility.

Learn More

📄

AR Financing

Turn unpaid invoices into working capital - get 70-85% of invoice value within 24-48 hours.

Learn More

⚙️

Equipment Financing

Acquire equipment with little to no down payment. Own it when paid off.

Learn More

⚡

Merchant Cash Advance

Fast lump-sum capital repaid as a percentage of daily card sales.

Learn More

Ready to get funded

Stop waiting. Start accessing the capital you've already earned.

Contact us for a free consultation. We’ll assess your invoices and structure the right AR financing for your business.

Apply Now
Free Consultation