Waiting 30–90 Days to Get Paid?
Turn your invoices into cash in 24 hours. No loan. No debt. Rates from 1%. Your clients pay as normal — you get paid early.
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Why Thousands of U.S. Businesses Choose AltLine
$1B+
Factored to USA Businesses
4.4★
TrustPilot Rating
77 verified reviews
1936
Founded
Southern Bank heritage
A+
BBB Rating
Fully accredited
✅ No Minimum Credit Score
Approval is based on your clients' creditworthiness — not yours.
✅ $30K–$5M Facilities
Flexible funding that scales with your business revenue.
✅ FDIC-Regulated Lender
Direct bank lender — not a broker. Lower fees, faster decisions.
What Is Invoice Factoring?
Invoice factoring is a simple, powerful way to unlock cash that's already yours — sitting tied up in unpaid invoices. Instead of waiting 30, 60, or 90 days for your clients to pay, you sell those invoices to AltLine and receive the cash within 24 hours.
There's no debt added to your balance sheet. No interest compounding. Your clients pay AltLine directly, just as they would pay you — nothing changes on their end.
It's not a loan. It's your money, sooner.
Submit Your Invoices
Send your outstanding invoices to AltLine for review.
Receive Up to 90% Upfront
Cash is released to your account — typically within 24 hours.
Client Pays as Normal
Your client settles the invoice. AltLine releases the remaining balance, minus a small fee.
Built for Businesses Like Yours
Whether you're in construction, staffing, logistics, manufacturing, or professional services — if you invoice other businesses, you could qualify. AltLine works with companies across every sector that struggle with slow-paying clients and cash flow gaps.
Fast Access to Working Capital
Stop letting slow-paying clients dictate your cash position. Get paid in 24 hours.
No Debt on Your Balance Sheet
Factoring is not a loan. It won't affect your borrowing capacity or credit profile.
Scales With Your Revenue
The more you invoice, the more you can access. Funding grows as your business grows.
Approval Based on Client Credit
Your credit history doesn't hold you back. We assess your clients' ability to pay.
Recognised by the Most Trusted Names in Finance
AltLine has been independently rated and recommended by leading financial publications — a track record built on transparency, value, and exceptional service.
🏆 NerdWallet
Top-rated factoring provider for small businesses
📰 Forbes
Featured as a leading invoice factoring solution
📊 Investopedia
Recognised for competitive rates and reliability
💼 Fundera
Consistently ranked among the best factoring companies in the USA
Rated Top Factoring Company of 2026 — independently recognised across the most trusted names in personal and business finance.
What Our Customers Say
"The service was impeccable!! On time payments. Incredible rates!! I would totally recommend them!!"
— Thomas, TrustPilot Review
"AltLine has been a reliable partner in helping us manage cashflow. They make the process seamless."
— Marsha, TrustPilot Review
"AltLine made the process incredibly simple. Within days, we had the cash flow we needed to take on a major new contract. Angelo was fantastic throughout."
— AltLine Customer
4.4/5
TrustPilot Score
Based on 77 verified reviews
100%
No Hidden Fees
Full transparency, always
A+
BBB Accredited
Top-tier business rating
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👉 See How Much Cash You Qualify For
Complete the short form below — it takes less than 2 minutes. No credit check. No commitment. A dedicated AltLine specialist will follow up within one business day.
No minimum credit score. Facilities available from $30,000 up to $5,000,000. Rates from 1%. FDIC-regulated direct lender.
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🎉 Application Submitted — What Happens Next?
Your application is in good hands. The AltLine team has received everything they need and is already getting to work on your behalf. Here's exactly what to expect over the next 1–2 business days.
Most applicants hear back well within one business day. Once eligibility is confirmed, the path to funding moves quickly — so you can get back to what matters most: running your business.
Meet Your Dedicated Specialist
Angelo Standriff
AltLine Team — Southern Bank
Angelo specialises in helping small and mid-sized businesses unlock the working capital they need through invoice factoring. He'll be your personal point of contact throughout the entire process — from your first call to funding.
Angelo will reach out within one to two business days to confirm your application and walk you through your options.
Get in Touch With Angelo
Have a question before Angelo reaches out? He and the AltLine team are always happy to help.
Thank You for Applying with Funder Bear! 🐻
We're proud to connect you with industry-leading funding solutions through trusted partners like AltLine by Southern Bank. Your financial goals matter — and we're here to help you reach them.
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🚀 Trusted & Transparent
No hidden fees. No surprises. AltLine operates with full transparency so you always know exactly what you're getting.
⚡ Fast Turnaround
Once approved, funds can be released quickly — helping you bridge cash flow gaps without delay.
🤝 Dedicated Support
You're never just a number. Angelo and the AltLine team provide personalised, ongoing support throughout your funding journey.
Keep an eye on your inbox and phone. Angelo will be in touch within one business day at astandriff@sobanco.com or on (850) 212-0622.