Get paid for your unpaid invoices
Tell us a little about your business and the funding you’re seeking.
ACCOUNTS RECEIVABLE & INVOICE FINANCING
Your customers need time to pay. Your business needs cash to operate.
Unpaid invoices can leave your business waiting for money it has already earned. Sentry & Sage Consulting helps you explore accounts receivable financing and invoice factoring to bridge the gap between completing work and receiving payment. Through our specialized lending relationships, we help you compare available structures, costs, and requirements around your customers, invoices, and cash-flow needs.
✔ Explore funding tied to eligible unpaid business invoices
✔ Compare invoice financing and factoring options
✔ Evaluate available paths when traditional lending is difficult
Eligibility depends on your business, customer creditworthiness, invoice details, existing liens, and provider requirements.
Borrow against eligible receivables
Invoice-backed financing allows your business to borrow against eligible unpaid invoices. Funding may be structured as an advance or a revolving credit facility, depending on the provider. We help you evaluate the borrowing limit, repayment arrangements, fees, and how existing liens could affect availability.
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Sell eligible invoices through factoring
Invoice factoring involves selling eligible receivables to a factoring provider. You typically receive an initial advance, with any remaining balance released after customer payment, less agreed fees. We help you compare advance amounts, customer notification, collection responsibilities, and your obligations if an invoice remains unpaid.
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Turn unpaid invoices into working capital.
When customers pay on 30-, 60-, or 90-day terms, your business still has expenses to cover. Accounts receivable financing can help bridge that timing gap. We help you understand available structures, how customer payments are handled, and what the funding will cost.
Have the order—but need funding to fulfill it?
A confirmed customer order can create an opportunity before your business has the cash to pay suppliers. Purchase-order financing, also called PO financing, may help cover eligible supplier costs so you can fulfill the order and deliver the goods.
How purchase-order financing works
A funding provider reviews the customer’s purchase order, your supplier’s ability to deliver, and the transaction’s expected profit margin. If approved, funding is typically directed to the supplier. Customer payments then follow the agreed collection and repayment arrangement.
How it differs from invoice financing
Purchase-order funding generally supports eligible orders before goods are delivered and an invoice becomes payable. Accounts receivable financing and invoice factoring generally address the payment gap after goods or services have been delivered and invoiced.
What we help you
evaluate
We review the order value, supplier costs, delivery schedule, customer payment terms, and proposed financing fees. You’ll understand how the arrangement affects your margin, which costs it covers, and whether additional funding is needed to complete the transaction.
Purchase-order financing generally applies to eligible goods transactions. Service contracts, construction mobilization, and general operating expenses may require a different funding structure.
What we review to find the right financing fit.
The right structure depends on your invoices or customer orders, your existing obligations, and how money moves through your business. We help you evaluate those details before moving forward.
Your invoices or customer orders
For accounts receivable financing or invoice factoring, we review eligible unpaid invoices, customer payment terms, and your accounts receivable aging report. For purchase-order funding, we review confirmed customer orders, supplier quotes, and delivery requirements.
Your business and existing obligations
We review recent business bank statements, current financing payments, and any existing liens or funding restrictions. This helps us identify potential conflicts and understand how a proposed arrangement would fit alongside your other obligations.
The proposed funding structure
We help you compare the funding amount, fees, customer payment timing, and collection or repayment arrangements. For purchase-order financing, we also consider supplier costs and transaction margins so you can understand the effect on the order’s profitability.
Start with our short funding request. Supporting documents can be provided through the secure application process.
FAQ
Put your invoices and customer orders to work.
Waiting on customer payments or preparing to fulfill a confirmed order? Sentry & Sage Consulting helps you explore accounts receivable financing, invoice factoring, and purchase-order funding through our specialized lending relationships. Let’s review your needs and compare available options.
Start with our short funding request. Supporting documents can be provided through the secure application process.