Invoice Factoring
Invoice factoring advances most of the value of your outstanding B2B invoices instead of waiting 30, 60, or 90 days to get paid. The factor collects from your customers and releases the balance, minus a small fee, once they pay — so slow-paying clients never stall your payroll or growth.
- Amount
- $10,000 – $5,000,000
- Funding speed
- 1–2 business days
Best for
B2B businesses with unpaid invoices and long customer payment terms.
What you get
- Advance up to ~90% of invoice value
- Qualify on your customers' credit, not just yours
- Scales automatically as your sales grow
Frequently asked questions
What is Tera Loans, exactly?
Tera Loans is a small-business financing marketplace. You fill out one short application and we match you with financing options — equipment loans, working capital, lines of credit, term loans, and SBA — from our lending network, so you can compare instead of applying to lenders one at a time.
Which industries do you work with?
All of them. Tera Loans funds construction, restaurants and food service, retail and e-commerce, healthcare practices, trucking and transportation, professional services, manufacturing, and many more. The product mix is tailored to how your industry actually earns and spends.
Will comparing my options affect my credit score?
No. Seeing what your business qualifies for uses a soft inquiry that does not impact your personal or business credit score. A hard pull only happens later if you choose to move forward with a specific offer.
How fast can my business get funded?
It depends on the product. Working capital and merchant cash advances can fund in as fast as 24 hours; equipment and term loans typically fund in 1–5 business days; SBA loans take a few weeks in exchange for the lowest rates.
Is this a consumer or personal loan?
No. Tera Loans offers business financing only — we do not provide consumer, personal, payday, auto, or mortgage loans. Financing is for established businesses and is repaid by the business.
Disclaimer
Tera Loans is a small-business financing marketplace powered by Big Think Capital. We are not a direct lender and do not guarantee funding, approval, rates, or terms. All examples, ranges, and calculator results are representative only and are not an offer or commitment to lend. Actual rates, fees, and terms are set by the funding lender and depend on your business, industry, and credit profile. Business financing only — no consumer, personal, payday, auto, or mortgage loans.
Representative APR ranges from 7% to 45% depending on product, industry, business profile, and credit.