Unfreeze your receivables with invoice financing

Invoice financing helps small businesses by converting invoices to immediate cash advances.

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Invoice Financing

Financing your invoices with n90

Free up cash needed to grow your business, and let us worry about your receivables.

Easily apply

Apply and submit your outstanding invoices. They must be from reputable customers.

Liquidate your receivables

Get immediate access to capital on outstanding 30, 60, or 90-day invoices

No more cash crunch

Continue growing your business. No need to worry about customers paying late.

invoice Financing

What is Invoice Financing?

Invoice financing is a type of financing where a business sells its invoices at a discounted price for immediate access to working capital. It can take anywhere from 30 to 90 days for most businesses to receive payments from their customers, in these cases, invoice financing gives small businesses quick access to funds to meet their cash flow needs.

The funder will receive payments on invoices directly from your customers, or you will forward your customer’s payments to the funder until the entire advance amount is paid off.

Invoice Financing FAQ's

How does invoice financing work?

The process involves three parties: the business (seller), the customer (debtor), and the factor (lender). After delivering goods or services, the business issues an invoice to the customer. Instead of waiting for the payment term to expire, the business sells the invoice to the factor, who advances a percentage of the invoice value (typically 70-90%). Once the customer pays the invoice, the factor remits the remaining balance to the business, minus the factoring fee.

What are the benefits of invoice financing?

Revenue Advances offer several benefits to businesses such as flexible repayment terms tied to revenue or receivables, easing cash flow constraints. Advances also provide quick access to funding without the need for extensive paperwork or collateral that banks require..

Who can use invoice financing?

Invoice factoring is suitable for businesses that invoice customers with credit terms, such as net-30 or net-60, and experience cash flow gaps due to slow-paying customers. It's commonly used by small and medium-sized businesses across various industries.

What types of invoices are eligible for financing?

Most business-to-business (B2B) invoices are eligible for factoring, including invoices for completed goods or services that are not subject to disputes or contingent payments. However, factors may have specific criteria regarding the age and creditworthiness of the invoices.

How much does invoice financing cost?

The cost of invoice factoring typically includes a discount fee, expressed as a percentage of the invoice value, and a factor's fee, which may be a flat rate or a percentage of the invoice value. Fees are based on items such as the creditworthiness of the customer, the volume of invoices, and the duration until payment.

What happens if customers fail to pay their invoices?

In non-recourse factoring arrangements, the factor assumes the risk of non-payment by customers. However, factors may conduct credit checks on customers and may decline to factor invoices from high-risk customers. In recourse factoring, the business remains liable for unpaid invoices and may need to repurchase them or replace them with other invoices. n90 typically will only factor with recourse.

Customer love

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"Jay and the team were there for us when we needed them most, and our business has grown substantially because of them."
Sarah Smith
Lead Developer, Flowbase
“Fantastic, this product has really helped our team and business get to market”
Sarah Smith
Lead Developer, Flowbase
“Fantastic, this product has really helped our team and business get to market”
Sarah Smith
Lead Developer, Flowbase

Eligibility Requirements


You are a resident of the Philippines, with a government-issued Valid ID or Alien Registration Card (ARC)


Your business is registered with BIR, DTI (for sole proprietorship) or SEC (for partnership or corporation)


Your company's annual revenue is at least ₱15 million

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