Adga Factor advances up to 95% of your outstanding invoice value — same day. No loans. No equity. No waiting 60 days for what you've already earned.
Up to 95%
Of invoice face value
< 24hrs
From submission to wire
$5T+
Annual factoring volume
48hrs
From application to funded
01
Submit Your Invoice
Upload outstanding invoices from approved clients. Our system verifies and queues them for review — typically within 2 hours.
02
Choose Your Timeline
Select how fast you need funding. Choose from same-day to 10+ days. The longer the wait, the lower your factoring fee — as low as 1%.
03
Receive Your Advance
Funds are wired directly to your business account. We collect from the invoice owner at maturity and release the remaining reserve balance.
Faster funding costs more. Wait longer and pay less. No hidden fees, no surprises.
Same Day
5.0%
95% of invoice
Emergency cash flow
24 Hours
3.5%
96.5% of invoice
Weekly payroll cycles
3–5 Business Days
2.0%
98% of invoice
Standard operations
10+ Days
1.0%
99% of invoice
Long-term planning
Same Day
5.0%
You receive: 95% of invoice
Emergency cash flow
24 Hours
3.5%
You receive: 96.5% of invoice
Weekly payroll cycles
3–5 Business Days
2.0%
You receive: 98% of invoice
Standard operations
10+ Days
1.0%
You receive: 99% of invoice
Long-term planning
All rates are per invoice. Wire fee of $25 applies per transaction. Reserve released upon client payment.
No Debt, No Dilution
Factoring is not a loan. You sell receivables — your balance sheet stays clean. No equity given, no personal guarantees required.
Client-Based Approval
Our underwriting is based on your customers' creditworthiness, not yours. Early-stage and growing businesses qualify easily.
Real-Time Tracking
Log in anytime to see every invoice status, payment collection timeline, and reserve balance — updated in real time.
Dedicated Account Manager
Every client gets a named account manager available via phone and email. Not a ticket system — a real human relationship.
Bank-Grade Security
256-bit encryption, SOC 2 Type II compliance, and UCC-1 filed lien protection on all funded receivables.
Shared Stakeholder Calendar
Give your accountant, CFO, or board member view access to your payment calendar. Total transparency.
Applications take under 10 minutes. Approval within 24 hours. First advance wired on approval.
Start Your Application →