Direct capital sources structure a $50 million receivables facility
The right structure depends on whether the receivables belong to an operating company or a finance company.
Direct capital sources structure a $50 million receivables facility, with 35 active boxes tracked for receivables, factoring and asset based programs at that size and up. Two sources state a 90 percent advance rate, and two state recourse. Factoring has 14 sources overall, with stated advance rates up to 85 percent of invoice face. For a finance company financing its own receivables book, 57 forward flow and warehouse sources are tracked. The capital source sets terms and funds. PeerSense reads the file against source boxes and presents it where the criteria fit.
Who structures the facility
PeerSense identifies the direct capital source whose box fits the receivables facility. It tracks 35 direct sources with active boxes for receivables, factoring and asset based programs at $50 million and up, read October 29, 2026. Two of those sources state a 90 percent advance rate, and two state recourse. The capital source sets the terms and funds the facility. PeerSense reads the file against tracked boxes and presents it to sources whose criteria fit. The client pays PeerSense a referral fee at closing under a signed agreement.
Tracked receivables, factoring and warehouse source figures as of October 29, 2026
| Measure | Figure | Count of sources stating or representing the figure |
|---|---|---|
| Receivables programs at $50 million and up | 35 direct sources | 35 active direct source boxes |
| Advance rate where stated | 90 percent | 2 sources state it |
| Recourse where stated | Recourse | 2 sources state it |
| Factoring sources overall | 14 sources | 14 factoring sources tracked |
| Forward flow and warehouse sources | 57 sources | 57 sources tracked |
Factoring and asset based routes
Factoring is one route for an operating company with a substantial B2B invoice pool. PeerSense tracks 14 factoring sources overall, with stated advance rates up to 85 percent of invoice face. The median time to fund is 2 days once a program is set up, and the public working floor is $20 million a month of B2B invoices. In the desk record, factoring and asset based lending accounted for 7 files. One reached terms at $10 million, and 4 were at $10 million or more. Source fit turns on collateral and customer concentration.
Forward flow and warehouse structures
For a finance company financing its own receivables book, forward flow and warehouse sources are the tracked route. PeerSense follows 57 such sources. Their purchase advance rates are stated at a median of 92.5 percent of unpaid principal and up to 100 percent. Median rates are 7.7 to 11.5 percent, and the median time to a term sheet is 17.5 days. These sources focus on $100 million a month of originations. The source sets terms and funds, with the structure tied to the receivables book and the source box.
What decides a $50 million placement
A $50 million receivables placement depends on whether the collateral can be legally secured and whether customer concentration is acceptable. Foreign receivables that cannot be secured, and heavy reliance on a small number of customers, are recorded reasons for declining a file. PeerSense reviewed 7 factoring and asset based lending files. 1 reached terms at $10 million, and 4 reached terms at $10 million or more. These outcomes show why collateral quality matters alongside the requested amount. PeerSense presents a file to a direct capital source whose requirements fit.
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Questions About This Topic
Is factoring suitable for $50 million of receivables?+
Factoring can fit when the invoice pool meets the source box and the business has the required monthly volume. PeerSense tracks 14 factoring sources overall, with stated advance rates up to 85 percent of invoice face. The public working floor is $20 million a month of B2B invoices. The desk record includes 7 factoring and asset based lending files, 1 reaching terms at $10 million and 4 at $10 million or more.
Who structures a warehouse facility for a finance company?+
Forward flow and warehouse sources structure the route for a finance company financing its own receivables book. PeerSense tracks 57 such sources. Purchase advance rates are stated at a median of 92.5 percent of unpaid principal and up to 100 percent. Median rates are 7.7 to 11.5 percent, and median time to a term sheet is 17.5 days. The sources focus on $100 million a month of originations.
What advance rate can a $50 million facility have?+
Two direct sources state a 90 percent advance rate for receivables, factoring and asset based programs at $50 million and up. Factoring sources have stated advance rates up to 85 percent of invoice face. For forward flow and warehouse, purchase advance rates are stated at a median of 92.5 percent of unpaid principal and up to 100 percent. The source and the structure determine which rate applies.
Why would a source decline a receivables facility?+
A source may decline a receivables facility if it cannot secure foreign receivables as collateral or if too much of the receivables comes from a small number of customers. Check whether the collateral can be legally secured and how concentrated the customer base is. PeerSense reviews each file against the acceptance criteria of direct capital sources. The capital source sets terms and provides funding when the file fits. The client pays PeerSense’s fee.
Editorial integrity: Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. PeerSense sources capital through a curated network of commercial lenders and capital sources. Content is for educational purposes and does not constitute financial, legal, or tax advice. Rates and terms cited reflect market conditions at the published date and may not match current quotes. Consult a qualified professional for transaction specific guidance.