Invoice factoring converts your unpaid B2B invoices into immediate working capital, typically within 24 to 48 hours.
Invoice factoring
Invoice factoring is a financing tool where a business sells its outstanding invoices to a factoring company at a discount in exchange for immediate cash. The factor advances you most of the invoice value upfront, then collects payment directly from your customer when the invoice matures. Once collected, the factor releases the reserve minus its fee. This is not a loan; you are selling an asset you already earned, so there is no new debt on your balance sheet and no traditional credit underwriting focused solely on your balance sheet. The factor evaluates the creditworthiness of your customers, not just yours.
Invoice factoring
Golden sits at the base of the Foothills, home to Coors Brewery, the Colorado School of Mines, and a thriving mix of construction contractors, engineering consultants, and specialty manufacturers. Many of these firms invoice municipal clients, research institutions, or out-of-state buyers who pay on net-30 or longer terms. When you are a fabrication shop on Ford Street waiting on a school-district purchase order to clear, or a civil-engineering firm that just wrapped a highway study for CDOT, invoice factoring bridges the gap so payroll, subcontractors, and material suppliers get paid on your schedule, not your customer's.
Because Golden's business district runs tight to Highway 6 and I-70, speed matters. Oakfield Advances brokers factoring arrangements that fund in days, not weeks, connecting you to factors who understand regional invoicing cycles and public-sector payment timelines.
Invoice factoring
As a licensed commercial loan broker serving Golden and surrounding areas, Oakfield Advances shops your invoice portfolio across multiple factoring networks to find the best advance rate, the lowest reserve hold, and the most flexible terms. We handle the paperwork, verify invoice authenticity, and coordinate with your accounting team so you stay focused on operations. Whether you need a one-time boost or an ongoing facility, we match you to the right factor for your industry and customer base.
Our office is minutes away at 150 Sheridan Blvd, Denver, CO 80226, Lakewood, CO. Call (720) 864-8914 to discuss your invoices and timeline. We also offer SBA 7(a) loans, working capital, equipment financing, commercial real estate loans, and business lines of credit when factoring is not the perfect fit.
A mechanical contractor in Golden finished a three-month HVAC retrofit for a county building. The invoice is approved, but the county remits in 45 days. The contractor has two new bids due and needs to order ductwork and pay his install crew this week. Instead of turning down work or maxing a credit card, he calls Oakfield Advances. We broker a factoring agreement that advances funds within two business days. He buys materials, keeps his crew on payroll, and bids the next project while the county pays the factor on schedule.
Learn more about invoice factoring across Lakewood or explore the full range of commercial financing options in the Lakewood area.
Common questions
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