Factoring and a business line of credit solve the same problem, money you've earned that hasn't arrived, with opposite machinery. Factoring advances 85–95% of an unpaid B2B invoice within 1–3 days, then remits the remainder minus a fee of 1.0–3.5% per 30 days your customer takes to pay. The credit doing the qualifying isn't yours, it's your customer's, which is why factoring works from a 560 floor for young companies no credit line would touch yet. The cost is honest but real: annualized, slow-paying customers push it toward ≈12–40% a year, so it rewards businesses whose clients pay on time. A line of credit is the opposite bargain: standby capital you draw as needed, interest only on what's drawn, priced meaningfully cheaper, but underwritten on your history, your revenue, and your credit. The full guide runs a $40,000 net-60 invoice through both products and shows exactly where the costs cross. The short version: factoring is the door that opens first; the line of credit is the door worth graduating to.

What the full guide covers

• How factoring pricing actually works: the fee per 30 days
• The line of credit: standby capital, priced on you
• Worked example: a $40K net-60 invoice, both ways
• Which one your business qualifies for first
• Graduating from factoring to a line, and when

The full guide is publishing soon. The short version above is accurate and current, and the concierge already knows everything in it.