Accounts Receivable Financing

Accelerate cash flow, improve collections, and control exposure to bad debts with accounts receivable financing (also called factoring) and purchase order financing from the Commercial Services group at Wells Fargo Capital Finance. If your company has creditworthy business-to-business or business-to-government accounts receivable, we can help you obtain the working capital you need.

We offer:

  • Quick access to your cash
  • Competitive pricing
  • Personalized service
  • Credit management services
  • Collections services
  • Access to online reporting
View the tabs below to learn more about how we can help your business.

Specialized financing for business services companies

We offer customized accounts receivable and inventory financing to companies in a variety of industries, including manufacturing, distribution, wholesale, import/export, seafood, and service-based companies.

We can help you with customized accounts receivable purchase programs that can be ideal for companies that need funding for:

  • Growth
  • New products or services
  • Mergers and acquisitions
  • Seasonal sales
  • Start-up business
  • Buyouts
  • Turnaround
  • Payroll and tax obligations
  • Financing foreign receivables

Factoring for retail and consumer products companies

Companies in the retail and consumer products industries regularly face seasonal demands and business fluctuations. As the factoring industry leader, our Trade Capital team has the depth of experience and breadth of financing programs to help manufacturers, distributors, and wholesalers in the U.S. and beyond with the flexible financing they need.

We help companies in industries such as apparel, footwear, home goods, consumer electronics, sporting goods, textiles, and others with:

  • Factoring
  • Accounts receivable financing
  • Accounts receivable management
  • Acquisition financing
  • Inventory financing
  • Import and export financing
  • Letters of credit

Quickening cash flow for government contractors

We provide customized accounts receivable and inventory financing programs to businesses that provide goods and services to federal, state, and municipal governments and their agencies. Recognized as a leader in this highly specialized field, our Government Services team has expertise in working with the government, and can help you navigate any red tape.

We have also developed financing that positions government contractors to meet their financial goals.

We have tailored our programs to meet your needs. Along with our targeted services, we offer: 

  • Long-standing industry relationships and expertise
  • Value-added financing
  • Nationwide reach
  • Personalized service
  • Innovative funding solutions
  • SWIFT processing

Improved cash flow for staffing companies

We provide customized accounts receivable purchase programs for staffing companies nationwide. Our Staffing Services team offers programs that allow you to speed up cash flow by selling your business-to-business accounts receivable to us.

Speed up your cash flow to keep up with your business needs

We offer accounts receivable and inventory financing to help your transportation, trucking, or logistics business speed up its cash flow, meet ongoing expenses, and grow. Our Transportation Services team understands your industry and the distinct challenges you face. Whether you are a start-up or an established transportation company, we can help you access the financing you need quickly, so you don’t have to wait 30 or 60 days for your customers to pay their freight bills.