Accounts receivable financing allows businesses in Georgia to convert unpaid invoices into immediate cash, helping them cover expenses and keep operations running smoothly. We provide tailored solutions that strengthen your cash flow, giving you the flexibility to focus on growth without waiting for client payments.
Businesses apply by submitting financial details and receivables information, allowing lenders to evaluate eligibility and funding potential.
The lender verifies outstanding invoices with customers to confirm validity, ensuring accuracy and reducing the risk of disputes.
Approved invoices are financed upfront, with businesses typically receiving 70–90% of receivable value within a short timeframe.
Depending on structure, either the business or lender collects payments directly from customers when invoices reach their due date.
Once customers settle invoices, the lender releases the remaining balance to the business after deducting agreed financing fees.
As new invoices are created, the cycle repeats, offering businesses ongoing access to working capital for consistent cash flow.
Managing cash flow is a challenge for many companies, especially when client payments are delayed. Businesses across Georgia turn to EPOCH Financial for receivables solutions that provide stability, transparency, and room for growth.
With decades of experience, we have consistently supported Georgia businesses with reliable receivables solutions that improve cash flow and ensure financial stability. Our reputation is built on trust, transparency, and measurable results.
Every business has unique needs, and we design receivables solutions that align with your cash flow cycle, customer base, and growth objectives. This flexibility ensures you get funding that works best for your operations.
Our team understands the dynamics of Georgia’s business environment. By combining industry knowledge with personalized support, we help you navigate challenges and strengthen long-term financial performance.
Businesses rely on us because we prioritize clarity. From straightforward agreements to predictable costs, our approach eliminates hidden fees, allowing you to focus on growth without financial surprises.
The four main types of receivable financing are factoring, asset-based lending, invoice discounting, and accounts receivable loans. Each option provides businesses with a way to unlock working capital tied up in unpaid invoices, but they differ in terms of structure, customer interaction, and repayment responsibilities.
Businesses can finance accounts receivable by partnering with a factoring company or lender. They submit unpaid invoices and receive an advance, typically 70–90% of the invoice value. Once the customer pays, the business receives the remaining balance minus a service fee. This process improves cash flow without taking on traditional debt.
Yes, a loan receivable is considered an asset on the balance sheet. It represents money owed to the business by a borrower or customer. Since it is expected to generate future cash inflows, it is classified as either a current or long-term asset, depending on repayment terms.
The key benefits include improved cash flow, faster access to working capital, reduced dependence on loans or credit lines, and greater flexibility in managing operations. It allows businesses to cover payroll, fuel, inventory, or other expenses while waiting for customers to pay their invoices.
