Today’s Funding for Tomorrow’s Growth.
Stop waiting 30 to 90 days on customer payments. Sell your unpaid invoices to SS Brown Funding, get funded fast, and keep your business moving.
Built for Businesses That Invoice
You finished the work. You sent the invoice. Now you wait, while payroll, fuel, materials, and rent keep coming due on their own schedule. Invoice factoring closes that gap. You sell your unpaid invoices to SS Brown Funding, we advance you the cash, and we collect from your customer when the terms come due.
Factoring is a sale of your accounts receivable, not a loan. There is nothing to pay back and no new debt on your balance sheet. Approval leans on your customers’ credit rather than your own, so newer companies and businesses with thin credit files still qualify. Payment delays and cash flow timing rank among the most common operating pressures business owners report, according to the Small Business Credit Survey, and factoring addresses that pressure directly. We have been funding businesses since 2017. What started in trucking has grown into invoice factoring across logistics, staffing, construction, and the professional and service companies that keep them running.
Who we Fund
If your business bills other businesses and waits to get paid, factoring works. The details change from one industry to the next, though, and so does the paperwork. Here is where we work.
You deliver the load and then wait on the broker. We buy the invoice on delivery, with free credit checks on brokers and shippers before you ever haul.
Intermodal, last mile, courier, and dedicated 3PL operations run on the same delayed payment cycle, with more hands in the middle. We fund the receivable no matter how many parties touched the shipment.
One truck or fifty. No monthly minimums and no volume requirements, so a single owner operator gets the same funding speed as a growing fleet.
You pay carriers long before shippers pay you. Funding your brokerage receivables lets you pay carriers fast, keep the good ones loyal, and book more loads without capital sitting idle.
Payroll runs weekly. Client invoices run net 30, net 60, sometimes longer, and the gap comes straight out of your reserves.
You finish the work and then wait on the general contractor, who is waiting on the owner. We fund completed, billable work so your crews and suppliers get paid on your timeline.
Janitorial, landscaping, security, and facilities companies invoice monthly and get paid whenever the client’s accounts payable department gets to it. Your crews get paid on a schedule, and your revenue should too.
Consultants, engineering firms, IT providers, and agencies billing on retainer or by milestone. Your invoice is your product, so it should not sit unpaid for two months.
If you invoice other businesses on terms and the work is complete, there is a strong chance we can fund it. That includes manufacturers, distributors, wholesalers, and plenty of industries we have not listed here.
Why Businesses Stay
Same-day invoice processing and free next-day funding by ACH. Same-day funding by wire is available for a small fee.
Straightforward advance rates and clear cost disclosure up front. No set-up cost, no monthly minimums, no surprise line items on the statement.
We handle invoicing and collections at no additional cost, so nobody on your team spends their afternoon chasing payments.
Your funding grows with your invoice volume. There is no credit ceiling to renegotiate and no new application to fill out when you add trucks, crews, or clients.
Operations rooted in Texas and account managers who answer the phone. More on why businesses work with us.
From Invoice to Cash
01
Submit a short application. Approval is based on your customers' creditworthiness rather than your own credit score, so most decisions come back quickly.
02
Complete the job or deliver the load, then email your invoice along with proof of delivery or completion. We process it the same day it arrives.
03
We advance the invoice and send funds by free next-day ACH. Same-day funding by wire is available for a small fee if you need it faster.
04
We invoice your customer and handle all follow-up.
Factoring is easy with SS Brown Funding because we do not complicate it. Every account includes the following, with nothing added to your rate. Full details are on our services page.
Once you are approved, we get you set up and ready to factor right away.
We work with businesses of every size and never require a minimum volume to keep your account open.
Know whether a customer pays before you take the job, not after you have already done the work.
We handle all invoicing for our clients at no additional cost.
We do not sit on paperwork. Your customer is invoiced the day we receive it.
Standard funding carries no transfer fee. Same-day wire is available for a minimal fee.
Some clients want one and some do not. We leave that call to you.
Owner operators, staffing directors, and subcontractors on what changed once they stopped waiting on net 60.
A line of credit or term loan is debt. You borrow against a limit, pay interest, and approval depends on your credit history and time in business. Invoice factoring is the opposite: you are advancing money you have already earned. There is no repayment schedule and nothing appears on your balance sheet as a liability.
For businesses that struggle to qualify for traditional bank financing, and the Small Business Administration notes that many growing companies do, factoring is often the faster and simpler path to working capital.
Our advance rates depend on creditworthiness, volume, and broker relationships, but many of our clients see high-advance terms that allow them to access a significant portion of their invoice value quickly.
No. We provide straightforward pricing with clear disclosures, so there are no surprise add-on fees.
Once payment is received and applied, your remaining reserve is released quickly—typically the same or next business day.
Yes. We can connect you with fuel programs and other value-added services that support day-to-day operations.
Absolutely. Our program scales with you, so whether you’re running one truck or a growing fleet, your factoring solution adapts.
You already did the work. You should not have to wait a quarter to get paid for it. Whether you are running loads, staffing a job site, or invoicing a corporate client on net 60, invoice factoring turns your receivables into cash you can use this week. Request an application or email support@ssbrownfunding.com, and we will get you set up right away.