Strengthening cash flow is essential when working with extended customer payment terms. Accounts Receivable Financing in Washington allows businesses to convert outstanding invoices into immediate capital, ensuring essential expenses and operational needs are consistently met. It supports smoother financial planning, sustained growth, and improved liquidity. With this approach, we help maintain continuity and stability across your business operations.
The business provides financial information and an overview of outstanding receivables. This allows us to review credit profiles, customer payment history, and overall eligibility for funding.
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We verify the listed invoices to confirm that they are accurate, undisputed, and due for payment. This step ensures transparency and reduces any risk associated with collection.
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Once approved, a percentage of the invoice value is advanced to the business, typically ranging from 70 to 90 percent. This provides immediate access to working capital.
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Depending on the agreement, either the business continues to manage customer payments or payments are directed to us for processing when the invoice reaches its due date.
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After the customer payment is received, the remaining balance is released to the business, with the agreed financing cost applied.
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As new invoices are generated, the process continues, allowing the business to maintain consistent liquidity and support operational needs without interruption.
Get DetailsBusinesses across Washington choose EPOCH Financial because we provide structured receivables financing designed to support operational continuity, working capital stability, and long-term growth. Our approach prioritizes clarity, responsiveness, and a thorough understanding of industry cash flow dynamics, enabling companies to move forward with confidence.
We assess your receivables profile, payment timelines, and operational priorities to create a financing structure that aligns with your cash cycle. This ensures the solution directly supports ongoing expenses and growth initiatives, rather than imposing rigid terms that could slow progress.
Our streamlined funding process allows businesses to convert outstanding invoices into working capital without unnecessary delays. By ensuring timely availability of funds, companies can maintain operations smoothly, manage obligations, and respond to opportunities as they arise.
We offer clear agreements with straightforward pricing and reporting. This provides your finance team with the ability to plan accurately and manage budgets without concerns about hidden fees or unexpected conditions impacting your financial position.
We maintain ongoing communication and stay aligned with your evolving requirements. Our relationship-focused approach ensures support, clarity, and consistency throughout the funding partnership, providing confidence as your business scales and your cash flow needs change.
Yes. Many Washington-based companies use receivables financing to manage longer payment cycles, especially in sectors like manufacturing, distribution, logistics, technology services, and construction. It supports steady cash flow while maintaining operational momentum.
Accounts receivable financing uses invoices as collateral for funding while you retain control of customer communication. Invoice factoring typically involves selling invoices to a factoring company. Both help unlock working capital but offer different levels of involvement in collections.
Yes. Receivables financing is specifically designed for situations where customer payment terms are extended. As long as invoices are valid and customers are creditworthy, businesses can access funding based on outstanding receivables.
