Fund the Invoices You've Already Earned.
Non-dilutive working capital against your existing receivables. First invoice funded within 48 hours, repeat invoices in 4. Non-recourse options standard. Human underwriters — not algorithms.
- Capital Estimator
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Advance (90%)
$225,000
first funding within 48 hrs
Est. fee
$3,750
1.5% / 30 days
Net to you after fee$221,250
- First invoice funded within 48 hrs · repeat invoices in 4 hrs
- Estimates only: advances run 80–90% by industry, and fees vary
- No credit check required to start
$900M+
Purchased Invoices
48 Hrs
To First Invoice Funded
97%
of Clients Fund Again
Non-Recourse
Options Available
How Sigma's Factoring Works
Not Just Fast — Structured Right
Speed is table stakes. The four things that actually differentiate Sigma's factoring from every competitor.
Speed
First Invoice Funded Within 48 Hours
Your first invoice is funded within 48 hours of your completed application — reviewed by a licensed underwriter, not a scoring algorithm. Subsequent invoices on an active account fund in 4 hours. No committee. No 7-day wait.
Risk Protection
Non-Recourse & Credit Risk Insurance Options
If your customer becomes insolvent and can't pay, Sigma absorbs the loss. You keep the advance. Most factoring companies charge extra for non-recourse or offer recourse-only. At Sigma, non-recourse is a standard option — not a premium tier.
Underwriting
Your Customers' Credit — Not Yours
We underwrite the creditworthiness of your invoice counterparties — not your business's credit score, revenue history, or personal assets. If your customers are creditworthy businesses or government entities, your invoices likely qualify regardless of your own credit profile.
Flexibility
Flexible Terms
Factor one invoice or your full A/R — on your schedule. No minimum monthly volume. Flexible term commitment. You can also factor selectively: specific customers, specific invoices, specific periods. We structure around your actual situation.
The Process
From Invoice to Funded — What Actually Happens
Real timelines, not marketing estimates. These are averages across active Sigma accounts.
01
Submit your application
Short online form. Business info, invoices you want to factor. No tax returns, no financial statements at this stage.
02
Human underwriter reviews
Your application is reviewed by a experienced commercial underwriters — not an algorithm. Real answers in hours, not weeks.
03
Advance wired to your account
We fund the advance — a large percentage of the invoice face value — directly to your operating account.
04
Customer pays, reserve released
Your customer pays Sigma when due. We release the remaining balance minus our flat fee. Transaction complete.
What's the difference between factoring and a bank loan?
Factoring is a sale of receivables — not debt. It doesn’t appear on your balance sheet, doesn’t trigger bank covenants, and is underwritten against your customers’ credit rather than yours. There’s no repayment schedule because repayment comes from your customer’s payment of the invoice.
Will my customers know I'm using factoring?
Yes. A Notice of Assignment is sent to your customers directing payment to Sigma. This is standard practice in B2B finance — your customers have almost certainly seen it before. Our team contacts them professionally on your behalf.
What's the fee structure?
One flat discount fee per invoice. Based on your industry’s risk profile, your customer’s creditworthiness, and your invoice terms. No wire fees, no monthly minimums, no setup fees, no termination penalties. Your exact fee is shown in full before you sign anything. Use the estimator above for a working figure.
Is there a minimum volume or long-term contract?
No minimum invoice size. No minimum monthly volume. Our standard agreement is month-to-month with 30 days notice prior to renewal. No annual commitment, no termination penalty. We can also build custom exit provisions into your agreement.
Does factoring affect my existing bank line or covenants?
Factoring is a sale of receivables — not a loan. It doesn’t appear on your balance sheet as debt. We file a UCC-1 against your receivables (standard in factoring), which is structured to coexist with most existing bank facilities. We review your agreements before onboarding.
Sigma's Full Suite
Other Solutions Worth Knowing
Invoice factoring is Sigma's core product. For more complex capital structures, we offer three additional solutions.
Asset-Based Lending
Larger facilities for more complex borrowers
ABL lines secured against A/R, inventory, or equipment. For manufacturers and distributors who've outgrown standard factoring.
AR Funding
A/R-backed facility without customer notification
Revolving credit line against your receivables. No NOA required. Designed for businesses that require confidential A/R financing.
DIP Financing
Working capital during Chapter 11 reorganization
Debtor-in-possession financing for businesses navigating bankruptcy reorganization. Court-supervised, creditor committee-approved.
Live Capital Markets
See Your Advance Amount
Submit your application and get a written proposal — advance rate, fee, and exact terms — before committing to anything.
- No personal guarantee
- No credit check on your business
- No long-term contract