As a trusted factoring company in Iowa, we help businesses get quick, reliable funding without the long wait of traditional loans. Our custom financing solutions are designed around your cash flow needs, making it easier to cover daily expenses and support your growth plans. With strong local knowledge and experience, we offer personalized service and dependable support to help your business move forward with confidence.
Improve cash flow by converting outstanding invoices into working capital, helping your business manage operations with greater ease and reliability.
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Access flexible funding by leveraging your company’s assets, ideal for meeting ongoing financial needs and supporting long-term business objectives.
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Obtain financing to purchase or refinance commercial properties, enabling strategic expansion and stronger market positioning.
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Finance new or upgraded equipment with customized solutions that enhance efficiency, productivity, and overall performance.
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Maintain steady inventory levels with financing options that support uninterrupted operations and scalable growth.
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Get the capital you need to fulfill large orders, manage supplier payments, and deliver products on time with confidence.
Get DetailsEPOCH Financial offers a wide range of financing solutions to support growing businesses in Iowa. We take the time to understand your needs and local market trends to deliver the right funding options. From factoring services to purchase order financing and other flexible lending solutions, we’re committed to helping your business succeed with tailored, reliable support.
We offer a range of funding options, including accounts receivable financing, asset-based lending, and purchase order financing. Each solution is designed to meet the unique needs of growing businesses in Iowa.
We make the process simple and quick so you can access capital without delays, helping you keep your operations running smoothly.
We take the time to understand your long-term goals and provide financing solutions that support steady growth and financial stability.
We deliver adaptable repayment plans and competitive rates to meet your changing business needs with confidence.
Traditional business loans often take days or weeks for approval and funding. However, some financing options in Iowa, such as invoice factoring or online lenders, can provide funds much faster. In many cases, businesses can receive funding within 24 to 48 hours after approval if all required documentation is ready.
It depends on the type of loan and your business’s financial situation. Traditional bank loans in Iowa may have strict requirements, including strong credit history, solid financials, and collateral. Alternative financing options like factoring or asset-based lending usually have more flexible criteria and can be easier to qualify for, especially for businesses with reliable receivables or assets.
With invoice factoring, you sell your accounts receivable to a factoring company at a discount. The factor advances most of the invoice value immediately, then collects payment from your customer. Once paid, you receive the remaining balance minus the factoring fee.
Any business that invoices other businesses (B2B) and experiences cash flow gaps can benefit. This includes manufacturers, distributors, staffing agencies, transportation companies, and service providers.
