Commercial
Invoice Factoring
Unlock immediate cash flow and fuel your business growth with CMRE's Invoice Factoring program. Convert your outstanding invoices into readily available capital, eliminating payment delays and empowering you to seize new opportunities. With rates starting at 8.5%, invoice factoring provides a flexible and efficient financing solution for businesses of all sizes.
Program Benefits
Immediate Access to Capital: Transform unpaid invoices into immediate cash, improving your working capital position.
Flexible Financing: Tailored solutions that adapt to your business's specific invoicing needs and cash flow cycles.
Improved Cash Flow Management: Eliminate payment delays and ensure a consistent stream of revenue.
Fuel Business Growth: Invest in expansion, inventory, and other growth initiatives without waiting for customer payments.
Reduced Administrative Burden: Outsource invoice collection and management, freeing up your time and resources.
Competitive Rates: Access financing solutions starting at 8.5%, providing an affordable alternative to traditional loans.
Program Highlights
Max LTV
75%
Min Credit Score
640
Max DTI
N/A (Invoice Factoring does not rely on traditional DTI)
Loan Amount Range
Varies depending on invoice volume and business needs
Amortization Options
Eligible Properties
- N/A
Program Requirements
Income Documentation
- •Demonstrated history of consistent invoicing and revenue generation.
- •Stable client base with a reliable payment track record.
- •Clear and accurate invoice documentation.
- •Minimum annual revenue threshold (to be determined based on the specific financing needs).
Asset Verification
- •Verification of the quality and creditworthiness of your debtors (customers).
- •Assignment of invoices to CMRE as collateral.
- •Review of your company's assets to assess overall financial health.
- •No requirement for real estate or other physical asset collateral.
Insurance & Title
- •General business liability insurance.
- •Errors and omissions insurance (if applicable to your industry).
- •Coverage to protect against potential debtor insolvency or non-payment.
- •CMRE may require specific insurance policies based on the nature of your business and industry.
Property Requirements
- •Minimum FICO score of 640.
- •Review of your company's credit history and financial standing.
- •Assessment of any outstanding debt or financial obligations.
- •Consideration of the creditworthiness of your debtors (customers).
Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
Frequently Asked Questions
The cost of invoice factoring varies depending on factors such as invoice volume, customer creditworthiness, and the factoring company's fees. CMRE offers competitive rates, starting at 8.5%.
Invoice factoring is suitable for businesses across various industries, including manufacturing, transportation, staffing, and wholesale distribution. Any business that invoices its customers can potentially benefit from this financing solution.
With CMRE, you can typically receive funding within 24-48 hours of submitting your invoices. This allows you to access immediate cash flow and address your short-term financial needs.
Sam K.
Senior Loan Strategist
With over 15 years in the mortgage industry, Sam specializes in complex jumbo and non-qm financing solutions, helping clients navigate unique financial landscapes.
NMLS #12345 | Certified Mortgage Advisor (CMA)
TESTIMONIALS
Success stories from families and investors across the nation who achieved their goals with CMRE.
"I've been working with Custom Mortgage and Real Estate for over five years now, and they've totally helped me get through a bunch of tricky transactions. Their team is super helpful all the way through, making sure everything goes off without a hitch. I seriously recommend Custom Mortgage to anyone who needs financing or a solid real estate broker."
RENE M
"I just worked with Custom Mortgage and Real Estate, and seriously, I can't recommend them enough. They have helped my family and me with a bunch of transactions, always receiving results that nobody else could. Their team is super responsive and really experienced, which made everything go through smoothly with no stress at all."
ARTHUR G
"As an investor in real estate and an agent, I totally count on Custom Mortgage and Real Estate for my deals since they've got loads of experience. They have these unique programs that I just can't find anywhere else, and it really gives me an advantage. After researching a number of companies, the offers from Custom Mortgage were the best out there."
