Stop Waiting 30, 60, or 90 Days to Get Paid.

Invoice factoring from Solid Capital lets you convert your outstanding accounts receivable into immediate working capital. Stop chasing payments start growing.
Your Vision, Our CapitalWe offer flexible funding options, turning your vision into reality with strategic capital investments.

Many Canadian businesses are profitable on paper but cash-poor in reality, because clients take 30 to 90 days to pay. Invoice factoring solves this. You sell your outstanding invoices to us at a small discount, and we advance you up to 90% of the invoice value immediately. We then collect from your clients directly. You get back to running your business.

How Our Invoice Factoring Works

01

Submit Your Outstanding Invoices

Upload your B2B invoices through our secure portal. Tell us which invoices you want to factor — you choose, we never require all of them.

02

Receive Up to 90% Advance Within 24–48 Hours

Solid Capital reviews the invoices and your client’s creditworthiness. Once approved, we advance up to 90% of the invoice value directly to your account.

03

We Collect From Your Clients

Our team manages collection from your clients professionally and discreetly. You focus on running your business, not chasing payments.

04

Receive the Remaining Balance (Minus Fees)

When your client pays the invoice in full, we release the remaining balance to you, minus our transparent factoring fee. No surprises.

Invoice Factoring Details
Advance Rate
Up to 90% of invoice value
Funding Speed
24–48 hours after invoice submission
Minimum Invoice
$5,000
Eligible
B2B invoices (not consumer receivables)
Credit
Based on your clients' creditworthiness, not yours
Contract
Flexible, no long-term commitment required
Is Invoice Factoring Right for You?
Invoice factoring from Solid Capital is ideal if you:
Issue invoices to other businesses (B2B) with 30, 60, or 90-day payment terms
Are profitable on paper but cash-poor because clients are slow to pay
Need immediate working capital to cover payroll, supplies, or operational costs while waiting on receivables
Want financing that doesn’t add debt to your balance sheet — factoring is a sale of receivables, not a loan
Operate in staffing, consulting, manufacturing, transportation, wholesale, or any B2B service industry
Have been declined for traditional financing but your clients have strong credit profiles
Invoice Factoring vs. Traditional Bank Loan
FeaturesSolid CapitalTraditional Bank
Approval Time24–48 hours2–6 weeks typical
Credit BasisBased on your clients’ creditBased on your personal/business credit
Debt on Balance SheetNo — not a loanYes — adds to liabilities
Collateral Required Your invoices are the collateralOften additional collateral required
CommitmentNo long-term contract required Often multi-year commitment
Approval RateHigh — based on client strength ~30–40% for Canadian SMEs

FAQ

Have Questions?
We Have Answers.

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Ready to get the funding your business deserves?

Apply in 5 minutes and get a decision today.No obligations, no impact to your credit score to apply.

No obligation. No impact to your credit score to apply.

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