Receivables waiting to be paid. Inventory on the shelf. Goods on the water. Equipment on the floor. We turn them into working capital — through ten asset-based programs, with facilities up to $150 million, placed with the right lender for your business.
Checking what you qualify for is a soft pull only — no effect on your personal credit. No obligation.
Every program below is available nationwide through our lender partners. Tap any one to see how it works.
A revolving line secured by your receivables, inventory and equipment.
How it works →Cash today for the invoices your customers will pay in 30, 60 or 90 days.
How it works →Suppliers get paid early. Buyers keep their longer payment terms.
How it works →Working capital built around insurance, Medicare and Medicaid reimbursement cycles.
How it works →Sell your invoices, get paid now, and let someone else handle collections.
How it works →Get paid on your loads within 24 hours — often the same day.
How it works →Make payroll every week — even when your clients pay in 60 days.
How it works →A confidential revolving line against your entire receivables ledger.
How it works →Unlock the cash tied up in goods on the water, on the rail or on the road.
How it works →Turn the stock on your shelves into working capital.
How it works →Receivables, inventory, equipment, goods in transit — and what you need the capital for. Just a few minutes, soft pull only.
We place your request with the lender whose program fits your assets, your industry and your timeline, and advocate for the best terms.
Your availability is set by your collateral. As you sell more and collect more, your capacity grows with you.
A revolving line secured by your receivables, inventory and equipment.
An asset-based line of credit turns the assets already on your balance sheet — receivables, inventory, machinery and equipment, and in some cases real estate — into a revolving source of working capital. Your borrowing base is recalculated regularly from updated collateral reports, so the line grows as your business grows. Draw when you need it; as your customers pay and inventory turns to cash, the line replenishes.
Soft pull only — no effect on your personal credit. No obligation.
Cash today for the invoices your customers will pay in 30, 60 or 90 days.
If your customers pay on 30-, 60- or 90-day terms, your cash is sitting in their accounts instead of yours. Accounts receivable financing advances a large share of your open invoices up front, then releases the balance, minus fees, when your customers pay. Approval is driven primarily by the credit strength of your customers — not your company’s credit score — which opens the door for younger or credit-challenged businesses.
Soft pull only — no effect on your personal credit. No obligation.
Suppliers get paid early. Buyers keep their longer payment terms.
Supply chain finance lets a buyer extend its payment terms without squeezing its suppliers. Once the buyer approves an invoice, the supplier can be paid early — typically within one to three days — at a small discount. The buyer then pays the full invoice on the new, extended due date. The buyer protects its cash; the supplier gets paid fast; the supply chain gets stronger.
Soft pull only — no effect on your personal credit. No obligation.
Working capital built around insurance, Medicare and Medicaid reimbursement cycles.
Healthcare providers deliver care today and wait weeks or months for insurers and government payers to reimburse. Healthcare receivables financing advances against those claims — commercial insurance, Medicare and Medicaid receivables — and can also draw on medical inventory and equipment. Availability rises and falls with your billing, so capacity keeps pace as you add patients, locations and service lines.
Soft pull only — no effect on your personal credit. No obligation.
Sell your invoices, get paid now, and let someone else handle collections.
With invoice factoring, you sell your open invoices and receive most of their value immediately. Your customers pay the factoring company directly, and the remaining balance, minus a fee, comes back to you. It is not a loan — there is no new debt on your books — and collections are handled for you, freeing up your team to sell and deliver.
Soft pull only — no effect on your personal credit. No obligation.
Get paid on your loads within 24 hours — often the same day.
Brokers and shippers often take 30 to 60 days to pay, while fuel, insurance and drivers need to be paid now. Freight factoring advances your load invoices as soon as they are submitted — typically within 24 hours, with priority funding in as little as one hour — then collects from your customer. Start-up carriers qualify when they haul for creditworthy customers.
Soft pull only — no effect on your personal credit. No obligation.
Make payroll every week — even when your clients pay in 60 days.
Staffing firms pay their workers weekly or biweekly but often wait 30 to 60 days or more for their clients to pay. Payroll funding advances against those client invoices so payroll is always met on time, and it scales automatically as you win new contracts and place more workers. Collections and back-office support can be handled for you.
Soft pull only — no effect on your personal credit. No obligation.
A confidential revolving line against your entire receivables ledger.
Instead of financing invoice by invoice, sales ledger financing advances against your entire accounts receivable ledger. You submit regular ledger updates, draw cash as you need it, and the line replenishes as your customers pay. It is confidential — your customers are not notified that a lender is involved — and you keep full control of your customer relationships.
Soft pull only — no effect on your personal credit. No obligation.
Unlock the cash tied up in goods on the water, on the rail or on the road.
When you pay a supplier and then wait weeks for goods to ship, clear customs and arrive, your capital is frozen. In-transit financing advances against the value of inventory while it is still en route, using your purchase orders, supplier invoices and bills of lading. Repayment is tied to delivery or sale, bridging long global lead times without straining your existing credit.
Soft pull only — no effect on your personal credit. No obligation.
Turn the stock on your shelves into working capital.
Inventory financing uses the stock you already own as collateral for a revolving line of credit. Draw funds to buy more inventory, capture bulk discounts, meet seasonal demand or fund growth — then repay as the inventory sells. Because the inventory secures the line, it is often easier to qualify for than a traditional bank loan.
Soft pull only — no effect on your personal credit. No obligation.
Tell her what your business sells, who your customers are and what assets you hold. She will explain which of the ten programs fits, answer your questions in plain English, and start your complimentary quote on the spot.
On a phone, tapping calls her directly. On a laptop, she opens right in your browser. Prefer to dial? (602) 905-2066 · Prefer email? Freequote@wfa.cash
A bank loan is judged mostly on your credit, profitability and years in business. Asset-based lending is judged mostly on the value and quality of your collateral — receivables, inventory and equipment. That makes it available to fast-growing, seasonal, turnaround and credit-challenged companies that a bank would decline, and it typically comes with fewer covenants.
With factoring, you sell your invoices and the factoring company collects from your customers directly. With receivables financing, you borrow against your invoices and usually keep handling your own collections. The terms are often used interchangeably, and we will match you to whichever structure fits how you run your business.
It depends on the structure. Sales ledger financing and some receivables facilities are confidential — your customers are never notified. Factoring and some other arrangements ask customers to remit payment to the lender. We will tell you exactly which applies before you commit.
With recourse, your business is responsible if a customer does not pay. With non-recourse, the lender absorbs that risk — which is essentially bad-debt protection — usually at a somewhat higher cost.
Much less than with a traditional loan. Asset-based products are underwritten primarily on your collateral and, for receivables products, on the credit strength of your customers. Checking what you qualify for is a soft pull only — no effect on your personal credit.
Factoring and receivables advances typically fund within 24–48 hours of approval, freight within 24 hours or faster. Larger asset-based lines take longer to set up because the collateral is reviewed first. Once a facility is established, draws can be available in as little as one hour, including weekends.
Asset-based facilities through our lender partners reach up to $150,000,000. Factoring and payroll funding scale with your invoice volume, so they grow automatically as your sales grow.
One conversation with Athena and we will match you to the right program — soft pull only, no effect on your credit, no obligation.