How are large-ticket factoring fees structured?

Fees are typically 0.5-1.5% of invoice face value per 30-day period. At $5M+ monthly volume, you're in the institutional tier where competition among capital sources drives fees down. Fees decrease further with higher volume, shorter collection cycles, and stronger customer credit.

Can I get non-recourse factoring at this volume?

Yes. At $5M+ monthly volume, non-recourse factoring is available for receivables from investment-grade customers (Fortune 500, government agencies, large public companies). The factor absorbs credit risk on approved customers. Premium is typically 0.25-0.50% above recourse rates.

What is confidential factoring?

Confidential (non-notification) factoring means your customers are not notified that you're factoring. Payments continue to come to your lockbox, and the factor is invisible to your customers. Available at $5M+ monthly volume with strong customer credit and clean receivables.

How does factoring at this volume differ from asset-based lending?

Factoring purchases individual invoices and gives you cash immediately. ABL provides a revolving line against your entire receivables pool (and often inventory). At $5M+ monthly, both are available, factoring is simpler to set up; ABL provides more flexibility if you also need inventory funding. Many companies use both.

Published: March 31, 2026·Last updated: May 16, 2026·By Ed Freeman, Capital Advisor. PeerSense

What is the best financing for b2b receivables at 90-95% (advance rate) LTV?

B2B companies with $5M+ monthly receivables qualify for institutional-grade factoring with 90-95% advance rates and fees as low as 0.5-1.5% per 30 days. At this volume, you're negotiating directly with credit funds and specialty finance companies, not brokers. PeerSense matches your receivables profile with capital sources that specialize in your industry, customer credit tier, and volume level.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder

Prime: 6.75% 10-Yr Treasury: 4.25% Est. Invoice Factoring Range: 0.5% - 1.5% per 30 daysas of Mar 19, 2026

B2B Receivables

$5M+/Month B2B Invoice Factoring, Institutional Receivables Financing

Invoice factoring for B2B companies with $5M+ monthly receivables. 90-95% advance rates, 0.5-1.5% fees, dedicated account management. Manufacturing, distribution, energy, staffing, logistics.

Minimum 30-35% equity required. Established B2B companies with $5M+ monthly receivables from creditworthy commercial or government customers.

Discuss Your B2B Receivables Deal Call (317) 452-6990

KEY TERMS

Deal Parameters at a Glance

LTV Target

90-95% (advance rate)

Est. Rate Range

0.5% - 1.5% per 30 days

Term

12-month facility (evergreen)

Recourse

Recourse and non-recourse available

DSCR

N/A (receivables-based)

Closing Speed

7-14 days

Min Loan Size

$5M/month

Loan Products

Invoice Factoring, AR Facility

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

FIT ASSESSMENT

When Is This the Right Fit?

Use this when your B2B business has $5M+ monthly in receivables from creditworthy customers but needs working capital faster than net 30-90 payment terms allow. At this volume, you bypass the small-ticket factoring market and access institutional rates and terms. Common users: national staffing firms, oilfield services, large construction subcontractors, industrial manufacturers, and government prime contractors.

Want the full program overview, current rate sheet, and underwriting matrix? See the Invoice Factoring & ABL guide →

ADVANTAGES

Key Benefits

90-95% advance rates on approved receivables, significantly higher than small-ticket factors

Fees as low as 0.5% per 30 days at $5M+ monthly volume

Dedicated account manager and underwriting team

Non-recourse options available for Fortune 500 and government receivables

No long-term lockup, cancel with 30-60 days notice on most programs

Confidential factoring available (your customers don't know you're factoring)

ALTERNATIVES

Strategic Alternatives

Asset-Based Lending

If you want a revolving credit facility secured by receivables + inventory

Learn more

Working Capital Loans

If you prefer a term loan over ongoing receivables funding

Learn more

Inventory Financing

If you also need funding against inventory, not just receivables

Learn more

Frequently Asked Questions

At $5M+ monthly volume, advance rates typically range from 90-95% versus 80-85% for smaller facilities. The higher advance rate reflects lower risk per dollar and better negotiating leverage with capital sources. Fortune 500 and government receivables can reach 97% advance.

See Related Rates by Program

PeerSense covers the full commercial capital stack. Indicative levels that lenders in our network have been pricing across these programs, as of August 1, 2026.

SBA 7(a) & 504

5.50–11.75%

Up to $5M acquisition / real estate / equipment, 10% down

See current rates

CMBS Conduit

5.60–7.10%

10-yr non-recourse fixed, $5M–$500M+, fully assumable

See current rates

Bridge Loans

9.00–14.00%

12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV

See current rates

DSCR Investor

5.95–8.50%

30-yr fixed rental, qualifies on property cash flow

See current rates

Equipment Financing

5.50–12.00%

Loan, lease, SBA 504, vendor, captive. Section 179 eligible

See current rates

Hotel Financing

5.85–11.75%

CMBS + SBA 504 + bridge + PIP across all flags

See current rates

Private Credit

7.80–18.00%

Non-bank flexibility, unitranche, recap, transitional

See current rates

No-Doc CRE

7.50–11.50%

Limited-doc commercial, asset-based underwriting

See current rates

Foreign National

7.50–11.00%

Non-US borrower CRE + bridge, no SSN required

See current rates

Connect with PeerSense, Direct Capital Advisory

PeerSense pre-underwrites every deal before presenting it to our institutional capital sources. With a curated network of lender relationships and live market rate intelligence, we match your b2b receivables deal with the right capital source, right now.

Scan Your Deal (30 sec)Tell Us About Your Deal Call (317) 452-6990

Fee at closing only · Complimentary initial consultation

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated March 2026.

Disclaimer: The information on this page is provided for educational purposes only and does not constitute financial, legal, or investment advice. Rates, terms, and availability are subject to change based on market conditions, property characteristics, and borrower qualifications. The rate ranges cited reflect approximate market pricing as of March 2026 and may not reflect current conditions at the time of reading. PeerSense is a capital advisory firm, not a lender. We do not originate, fund, or service loans. All financing is provided by third-party lenders subject to their own underwriting criteria and approval processes. Borrowers should consult with qualified financial and legal professionals before making any financing decisions.