Keep your business running smoothly with strategic accounts receivable financing in California. This solution helps convert outstanding invoices into available working capital, allowing you to manage expenses, maintain steady cash flow, and support growth initiatives without taking on additional debt. With flexible terms and a professional funding team, your business remains prepared for new opportunities.
The business submits recent financial statements and an accounts receivable report. The financing provider evaluates customer payment history, invoice volume, and overall business stability to determine eligibility and funding limits.
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The financing company confirms that the listed invoices are valid and accurate. This step ensures there are no disputes or issues that could delay payment once funds are advanced.
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After approval, the business receives a percentage of the invoice value, commonly between 70% and 90%. This provides immediate working capital to manage operations and expenses without waiting for customer payments.
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When customers pay their invoices, payments are directed according to the agreement. Either the business continues to handle collections, or the financing provider collects payment directly from customers.
Once the customer payment is received, the financing company releases the remaining invoice balance to the business. A previously agreed financing fee is deducted at this stage.
As new invoices are generated, the process continues. This creates a reliable cycle of funding that helps maintain steady cash flow and supports ongoing business operations.
EPOCH Financial provides dependable lending and working capital solutions designed to support businesses across California. Our focus is to help companies maintain steady cash flow, manage growth demands, and address operational needs with clarity and efficiency. We offer transparent funding options, quick approvals, and a team committed to guiding you through each step of the financing process.
We understand that every business operates differently, which is why we take time to evaluate your financial structure and short-term and long-term goals. Our lending programs are shaped to fit your revenue cycle and growth stage, ensuring the funding supports operational stability and sustainable expansion.
Access to capital should not be slow or complicated. Our application and approval process is efficient, allowing businesses to secure funds without unnecessary delays. This helps you manage urgent expenses, stabilize working capital, or move forward with new opportunities while maintaining operational continuity.
Transparency is a priority. We clearly outline rates, repayment expectations, and agreement details from the beginning. You always know what to expect, which helps you make informed financial decisions with confidence and avoid unexpected costs.
Our team has extensive experience working with a wide range of industries in California, including manufacturing, logistics, professional services, and construction. We understand the cash flow challenges these companies face and provide ongoing guidance to ensure the financing continues to support business growth and financial resilience.
The approval timeline depends on the type of loan and the documents submitted. In most cases, we can complete the review process efficiently and provide funding within a short time once the application is finalized. Our streamlined process is designed to avoid delays, allowing your business to manage payroll, inventory purchases, or operational commitments without disruption. We prioritize timely communication throughout every step.
Traditional credit scores are not the only factor we consider. For many lending programs, including accounts receivable financing, the payment reliability of your customers and the strength of your invoices can play an important role. This allows businesses with limited credit history or temporary financial challenges to still access working capital. We assess the broader financial position to determine the best possible funding structure.
Yes, our financing solutions are particularly useful for businesses that experience delays in customer payments. By converting pending invoices into accessible working capital, you can maintain operations without waiting for extended payment terms. This helps prevent cash flow gaps, supports supplier payments, and ensures your business continues to run efficiently. It also allows you to focus on growth rather than collection timelines.
We emphasize clarity throughout the financing process. All rates, fees, and repayment structures are discussed upfront to ensure you have complete visibility and confidence in the agreement. Our team explains each detail carefully, and we remain available to answer questions at any stage. This commitment to transparency helps businesses make informed financial decisions that align with their operational goals.
