Maximize your credit availability and accelerate cash flow with accounts receivable financing


Flexible financing to support your growth

Accelerate cash flow, improve collections, and control exposure to bad debts with accounts receivable financing (also known as factoring) from the Commercial Services group at Wells Fargo Capital Finance.

As a leading factor globally*, we have the depth of experience to help your business overcome cash flow challenges. This means you can focus on running your business and reaching your goals.

*Largest import factor in the world, FCI (2017)

Obtain the working capital you need

We work with companies with annual revenues of $5 million to $500 million with creditworthy business-to-business or business-to-government accounts receivable.

Our capabilities

  • Recourse and non-recourse accounts receivable financing (factoring)
  • Off-balance-sheet agreements (true sale)
  • Accounts receivable protection, collection, and bookkeeping
  • Inventory financing
  • Seasonal over-formula advances
  • Letters of credit
  • International factoring
  • Asset-based lines of credit

Your benefits

  • Accelerated cash flow by converting accounts receivable to cash
  • Advance rates of up to 90% on accounts receivable and up to 60% on inventory
  • Simple documentation and quick closing
  • Less staff overhead when you outsource accounts receivable management and customer collections
  • Access to online reporting

Industry Expertise

  • Business services
  • Consumer products
  • Energy, oil and gas
  • Staffing
  • Transportation