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Everything You Need to Make an Informed Decision
Calculators, comparison guides, and plain-English explainers organized by where you are in the decision process. No gated content. No forms required to read.
No credit check on your business · We evaluate your customers, not you
- All Resources
- Awareness
- Consideration
- Decision
$900M+
Capital Funded
4 Hrs
Repeat Invoice Funding
Non-Recourse
Options Available
Human
Decisions — Not Bots
Pillar Tools
The Three Resources That Convert Browsers to Decisions
These are the highest-leverage tools on this site. If you do nothing else, run the calculator and take the fit assessment before calling anyone.
Consideration Stage
Working Capital ROI Calculator
Enter your invoice volume and payment terms. See your estimated advance, fee, and critically the opportunity cost of NOT factoring. No competitor shows you that number.
Awareness Stage
Factoring Fit Assessment
Five questions. Two minutes. Instant result: whether your invoices qualify, what advance rate to expect, and which industry path is right for you. No email required to see your result.
Awareness Stage
What Is Invoice
Factoring?
The plain-English guide for first-time buyers. How it works, how it differs from a loan, what it costs, and who it’s designed for. Written for CFOs and owner-operators alike.
Comparison Guides
Factoring vs. the Alternatives
For buyers comparing factoring to other capital options. Direct comparisons not sales pitches. Includes honest "when the alternative wins" sections.
Manufacturing · Professional Services
Invoice Factoring vs. Line of Credit
Speed, covenant risk, balance sheet impact, non-recourse. Seven dimensions side-by-side — plus an honest "when a LOC wins" section.
Staffing · Wholesale Distribution
Invoice Factoring vs. Merchant Cash Advance
Your underwriter confirms receipt and may reach out with a quick clarifying question.
aStructural difference, daily repayment drain, non-recourse protection, cost transparency. Why B2B businesses should look at factoring first.
All Industries · Consideration Stage
What Is Non-Recourse Factoring and Why It Matters
Sigma's top differentiator, fully explained. What it protects you from, what it doesn't cover, and how non-recourse compares to recourse factoring. Linked from every industry page because this is the question most buyers don't think to ask until after they've signed.
Industry Guides
Factoring for Your Vertical
Industry-specific buyer pathways. Each page covers the pain unique to that vertical, Sigma's response, an advance estimator, FAQ, and a case study.
Staffing
W-2 & 1099, weekly cycles, NOA handling, non-recourse.
Fund Contracts Your Bank Line Can't Keep Up With.
Net-60/90, covenant risk, UCC structure, non-recourse for large invoices.
Run More Loads Than Your Cash Flow Allows.
Per-load funding, broker NOA, same-day delivery funding.
Take On the Orders Your Cash Flow Has Been Declining.
Inventory-to-payment gaps, thin margin ROI framing, selective factoring.
Live Capital Markets
Ready to Run Your Numbers?
Start with the calculator, take the fit assessment, then get a real proposal. The whole path takes under 10 minutes.
- No obligation
- No credit check
- No personal guarantee required