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Invoice factoring that lets you offer net terms, without starving your cash flow.
Advance your B2B invoices in as fast as 24–48 hours, so you can cover payroll, buy inventory, and ship more, while your customers pay on Net 30/60/90.
• Transparent pricing, pay only for what you use, no “surprise fees”.
• Advances from $20K to $30M (based on your invoices and buyers).
• Dedicated account + we can manage buyer collections.
Proven at scale
As of Dec 19, 2025 · USD
invoice volume funded
invoices advanced
factoring customers
A faster alternative to traditional bank processes,
built for trade speed.
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• Requirements based on collateral and a long financial history• “Surprise” fees and you pay for the total of the line• Line increases require a new and long process of application• Slow and burocreatic process of application, with a lot of paperwork• Slow support and based on call centers.• Basic requirements of invoice reports and exports• Accesible fees. You only pay for what you use• Agile and simple credit line increase process• Simple process of application and 100% online• Personalized support. We assign an executive to help you.
Factoring turns your invoices in to working capital,
so you can keep shipping.
Invoice factoring is a standard way for B2B companies to convert outstanding invoices into cash. Instead of waiting for your buyer to pay, you advance eligible invoices and keep operating. (We’ll walk you through the structure and what your customers will experience.)
How factoring with Marco works
Apply & share your buyer list.
We’ll learn how you sell, who you sell to, and what invoices you issue.
Buyer & invoice eligibility
We confirm which buyers/invoices qualify and define the advance structure.
Fund & keep shipping
Advance invoices as needed. Scale as your sales scale.
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Trade finance, handled by real experts.
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Barry Kastner
EVP/ Sr. Managing Director
40+ years banking and finance experience.
“Reaching out to Marco
was the best decision”
Processing flow is much simpler, their response is really quick and they follow up closely. Now all our business goes through Marco, as each payment and capital release is fast and simple. Funds wired in just 24 hours.
"We are very grateful
for Marco"
Marco has a great team of very well-trained people that deliver excellent customer service, meeting all our expectations. They were able to understand our necessities as a company, as well as mine as a business owner, and the results were on point.
“Marco goes above and beyond
for their clients."
As an industry veteran, I have used many different forms of capital to fund my businesses. Marco was able to approve us quickly and has remained committed to supporting our growth. In less than 6 months they have doubled our available line of credit, and we look forward to continuing our partnership.
Trade finance on your own terms. Ready to start?
Frequently asked questions
How fast can I get funded , and what’s the onboarding process?
Funding can happen in as fast as 48-72 hours once your account, buyers, and invoices are approved. We typically start by reviewing your buyer list and invoice flow, then confirm eligibility and your advance structure. After setup, you can select eligible invoices and request advances as needed. Marco
Which invoices and buyers qualify for Marco factoring?
Factoring is best for B2B invoices where you’ve delivered product or services and have clear payment terms. Eligibility often depends on your buyers’ payment reliability and the invoice documentation. Share your top buyers and typical invoice size, and we’ll quickly confirm what qualifies.
How does pricing work (fees, advance rates, minimums) , and do I need a long-term contract?
Pricing is structured around the invoices you choose to advance - you pay for what you use, with clarity upfront on fees and terms. We’ll lay out advance rates, expected costs, and any minimums before you move forward, so there are no “surprises.”
Will my customers be notified, and who handles collections?
Programs can be structured in different ways depending on your deal and buyers. In many factoring setups, the factor supports or manages collections so you can stay focused on sales and operations. We’ll walk you through how the process works and what your buyers will experience before you decide.
What happens if an invoice is paid late, short-paid, or disputed , and is it recourse or non‑recourse?
Late payments, short-pays, and disputes are handled according to the program terms and the underlying reason (commercial dispute vs. credit issue). Factoring can be structured as recourse or non‑recourse depending on the situation , what matters is that the rules are clear before funding. We’ll explain the exact scenarios and responsibilities during onboarding.