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Cash Flow, Solved
From invoice factoring to credit lines, we help you get paid faster and grow smarter.
B2B Invoice Factoring
Factoring
Invoice Factoring
Accounts receivable factoring helps businesses turn unpaid invoices into immediate working capital. By partnering with IncoXchange, you can access funds tied up in receivables, improve cash flow, and reduce exposure to unpaid accounts. It's a simple way to keep operations running smoothly and maintain confidence that your approved invoices will be paid.
Get working capital in hours, not weeks
Advance rates up to 95%
Flat fees per invoice
Flexible contracts
Same day funding for repeat customers
Specialized Funding
Global Scale
International Factoring
Expand your business with cross border funding solutions that support both export and import transactions. IncoXchange provides the capital and expertise to help you operate confidently in international markets.
Funding for both export and import receivables
Credit protection against foreign buyer risk
Localized payment collection through global partners
Case by case currency and country support
Simplified onboarding and document management
Strengthened international cash flow without new debt
REM
Receivable Exposure Management
Receivable Exposure Management, or REM, helps businesses grow sales while keeping customer credit risk under control. By monitoring receivables and assessing credit exposure, IncoXchange REM gives you the confidence to extend higher limits and longer terms to trusted customers, supporting growth without increasing risk.
Protect your business from credit risk before extending terms
Continuous monitoring of customer payment performance
Portfolio level exposure tracking and alerts
Integrated credit scoring for better decision making
Improve collections efficiency and cash predictability
Strengthen your receivables without limiting sales
SCF
Supply Chain Finance
Supply Chain Finance, or SCF, helps buyers and suppliers improve liquidity and strengthen relationships across the supply chain. Buyers can extend payment terms without impacting suppliers, while suppliers gain the option for early payment based on the buyer's credit strength creating a more efficient and balanced flow of capital for both parties.
Support suppliers with early payments backed by buyer credit
Extend payables without straining vendor relationships
Real time visibility into approved invoices and settlements
Improve liquidity across your entire supply chain
Multi currency and cross border capabilities
Strengthen relationships with key vendors and buyers
ABL
Asset Based Lending
Asset Based Lending allows you to access working capital by using your receivables, inventory, or equipment as collateral. IncoXchange provides customized revolving and term loan facilities up to $15 million, giving your business the flexibility to manage growth, operations, and ongoing cash needs.
Borrow against accounts receivable, inventory, or fixed assets
Revolving and term loan options up to 15 million
Scales automatically with your asset base
Continuous access to working capital for expansion
Lower cost than unsecured credit lines
Ideal for manufacturers, distributors, and mid market firms
Receivables to Cash
Bulk Sale of Accounts Receivables
Receivables to Cash allows businesses to convert large or aging receivables into immediate liquidity. By selling select invoices or portfolios, IncoXchange helps improve cash flow, strengthen balance sheet ratios, and create flexible funding capacity to support continued growth.
Convert large receivable portfolios into immediate liquidity
Offload aging or non core receivables for balance sheet improvement
One time or recurring sale structures available
Reduce administrative load and bad debt exposure
Immediate infusion of cash without new debt
Strengthen your financial position for future growth
Coming Soon
Coming Soon
IncoXchange Credit Card
The IncoXchange Credit Card gives funded clients added flexibility to manage day to day business spending. With programmable expense controls, integrated vendor payments, and built in rewards, it connects directly to your IncoXchange account for seamless tracking and smarter financial management.
Built in rewards program for business spending
Programmable expense management and spending limits
Vendor payments integrated directly into your account
Real time transaction tracking and reporting
Digital and physical cards for authorized users
Seamless connection to your existing funding program
Coming Soon
IncoXchange Instant Credit
InstantCredit gives IncoXchange clients the ability to check the credit strength of their customers before extending terms. It helps reduce risk, speed up decisions, and keep receivables performing by providing instant credit insights directly inside your account.
Real time credit checks on your customers and account debtors
Instant visibility into credit limits and payment history
Early risk indicators before you issue invoices
Automated monitoring and alerts for high risk accounts
Fully integrated into your IncoXchange dashboard
Helps you extend terms confidently and protect your cash flow
Coming Soon
Traditional Business Credit Lines
Traditional Business Credit Lines provide ongoing access to working capital for established businesses. IncoXchange offers flexible revolving credit facilities with competitive terms, giving you the ability to manage expenses, fund operations, and support growth without disrupting cash flow.
Revolving credit lines up to $2 million
Competitive interest rates
Flexible draw and repayment terms
No collateral required for qualified businesses
Build business credit history
Coming Soon
Preferred Vendor Discount Program
The Preferred Vendor Discount Program helps businesses strengthen partnerships through early payment discounts. IncoXchange automates discount calculations and terms, giving you faster payment cycles, improved cash flow visibility, and stronger relationships with your most reliable vendors.
Reward your best customers with early payment discounts
Automated discount calculations
Customizable discount terms
Improved customer relationships
Faster payment cycles
Enhanced cash flow predictability
Don't Let Payments Hold You Back.
Grow your business with predictable cash flow. Same-day funding, zero hidden fees, and complete control over your customer relationships.