Accounts Receivable Financing

Achieve your goals with Accounts Receivable Financing from our nationwide network of alternative, boutique and specialized lenders.

accounts receivable financing

Take The Next Step

We help you to secure the best Accounts Receivable Financing options that will take your business to the next level. 

Our creative funding solutions are provided by an experienced team that will walk you through every step of the process.

The ZagFi network will provide you with flexible term options from 6 months – 10 years depending upon your situation.

Whether you need $10k – $5million, our network of alternative, boutique and specialized lenders will help you get to where you need to be.

How It Works

Learn more about our Accounts Receivable Financing options.

boutique and alternative lenders


Apply in less than 1 minute to get the process started.


Quickly connect with our experienced team who will support you with the next steps.

alternative business lending

Get funded

Upon approval, receive your funds as fast as 48 hours.

Frequently Asked Questions

Our mission is to help you achieve your goals with flexible Accounts Receivable Financing options. At ZagFi , we primarily work with alternative, boutique and specialized lenders who have a deep understanding of your niche.

Getting Accounts Receivable Financing is much like getting other loans. Our lenders will typically ask for:

  • Aging AR report – In order to qualify, you will need an aging AR report.
  • $500,000.00+ in gross annual sales – The minimum to qualify is $500,000.00+ in gross annual sales.
  • No minimum FICO Score – Accounts Receivable Financing is great for all credit profiles. There are no minimum FICO Score requirements.

We also recommend to have your business banking records available as well. Some lenders may require 3 – 6 months of statements along with financial reports showing:

  • Gross margin
  • Cash flow
  • Debt to equity ratio
  • Accounts payable
  • Accounts receivable
  • Earnings.

Alternative, boutique and specialized lenders provide a personalized touch to support your business. They can provide better rates, custom financing options and more flexibility depending upon your situation.

They can provide a variety of business loan options including Business Line of Credit, Equipment Financing, SBA Loans, Accounts Receivable Financing, Merchant Cash Advance, Franchise Financing, Asset Based Loans, Fix and Flip Loans, Startup Funding, and more.

You can access your Accounts Receivable Financing in as fast as 2-5 days upon approval. We recommend that you meet the qualifications as well have additional documentation available if needed to speed up the process.

The best Accounts Receivable Financing option will meet the following criteria:

  • Fast processing from beginning to end.
  • Access to a variety of lending options.
  • Reasonable rates – get favorable rates that work with your business needs.

Yes, we have a nationwide network of lenders that cover all 50 states. Whether you live in a metropolitan area or a rural community, we can help.

We try to run a soft credit checks whenever possible which should not impact your credit score. There are times when it may be required to run a hard credit check which might impact your score in certain situations.

Typically, the loan repayment is not tax deductible but the interest accrued on the loan will be tax deductible.  We highly recommend that you speak with your accountant or financial advisor about this to get more details.

Apply Today!

Get your funds quickly once you're approved.