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You're In Control
with Spot Factoring

Get access to cash using your unpaid invoices with spot factoring. CapitalPlus will buy a single invoice or several invoices giving you the cash flow you need to get ahead of your bills.

Spot factoring provides options, not obligations.

When you need additional cash flow, Spot Factoring provides you the flexibility to select what invoices you wish to sell. There are no extended contract obligations. You have the opportunity to choose when you need our assistance and what to use the money for.

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What is Spot Factoring?

Like traditional factoring, spot factoring is selling your unpaid invoices at a discount whenever you need additional cash. The difference is spot factoring, also known as single invoice factoring, lets you pick an individual invoice or invoices you want to use. CapitalPlus will quickly advance on the invoices at an agreed-upon percentage rate, pay all related subcontractors and suppliers, and send you the remaining funds. Upon receipt of payment from your debtor, CapitalPlus will send you the balance of the invoice less our fees. Spot factoring companies like CapitalPlus allow you to have access to cash while we await payments… so you don’t!

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Benefits of Spot Factoring with

You use us when you need us with no long-term contracts.

We can give you cash today for your invoices.

We work with startup companies that have limited or no credit history.

We are a direct funding source with decision-makers onsite.

We offer in-house underwriting for quick decision-making.

There are no monthly minimums.

We provide funding when others won’t, such as funding bonded projects, Pay When Paid contracts, Progress Billing, or when in a distressed situation.

We work with other lenders (e.g., banks, PO and ABL lenders) for refinancing and restructuring of facilities.

We Keep You Building

Our experienced financial and construction industry experts are happy to answer all your questions – contact us today.

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Keep all your projects
moving forward

You focus on building, we will focus on providing the cash flow you need.

Our construction financing solutions and services allow you to focus your time and money on building and growing your business without worrying about working capital or back office functions. We give you steady access to cash flow to help you grow – for operating costs, new or large contract needs, acquisitions, and more.

Asked Questions

If you are new to factoring or CapitalPlus Financial Services we hope that these FAQs will give you the information you need to make the right decision for your company’s working capital and bookkeeping needs.

Receivable Financing, also referred to as factoring, is selling the right to payment to receivables or invoices to a factor at a small discounted rate from face value so that you do not have to wait the normal 45-60 days for payment. Over a billion dollars are provided to businesses each year through receivable financing. It is a financial service used by a wide range of companies, from multi-million-dollar corporations to small privately held companies.

When we purchase an invoice, we do so at a discount rate. Or put another way, we advance you a percentage of the face value of the invoice. This advance varies based on the situation, your needs as our client, and an overall risk assessment. We are 100% transparent about our fees so you will never be surprised.

When we purchase an invoice, we will typically advance a portion of the invoice. The rest is held in a reserve. When we receive payment from your customer the reserve becomes real money and is wired back to you, less our fee.

It provides an immediate source of cash flow for your company which you can use to take on more or larger projects, for working capital, to meet payroll, pay taxes, replenish inventory, increase advertising, purchase equipment, improve your credit rating, and so much more.

You provide CapitalPlus with the original invoice and purchase order or contract, and we advance you a percentage of the amount that will be paid to you by your customer. The percentage that is not included in the advance is held in what we call the reserves. When CapitalPlus collects the total amount due on these invoices from your customers and refunds we send you the reserve balance to you less our fee.

The established factoring fee is a percentage of the purchase amount and the length of time it takes to collect. The amount is driven by the risk of each purchase, the pay term, and the volume of factoring. You will know the fee before you agree to anything.

It is your choice how frequently you provide invoices for purchase. Just like buying in bulk at your favorite grocery store, you can receive a discount for committing to a higher volume of invoices. When you reach out for the first time, you will be assigned an Executive Account Representative. Tell your representative your needs and we will help you understand how you get the most out of factoring for the best price.

No. The name on the check remains that of our customer (yours). You will be required to change the remittance address that sends the check to our lock box.

No. Most contracts specifically define how your invoices should be prepared and when they should be submitted. We have contract experts on staff who can help you understand the requirements and help you comply with invoice formats and other issues.



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