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# Viva Capital: Business Invoice Factoring

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## Posts
- [Customer Credit Impact on Cash Flow: The Hidden Factor That Can Make or Break Your Business](https://vivacf.net/insights/customer-credit-impact-cash-flow/): Do you invoice your customers after goods or services are delivered? It’s common in the U.S., with nearly half of all B2B sales leveraging the mode, Atradius reports. Net-45 is the typical term, meaning customers have an average of 45 days to pay after receiving their invoice. Because it’s viewed as routine or even expected, many small business owners don’t see this for what it is: issuing credit. And the harsh reality is that not all customers deserve these terms, nor does everyone who has earned credit deserve the same terms. In this guide, we’ll explore customer credit impact on cash flow and what you can do to ensure you’re extending in a way that protects your business while supporting its growth and customer relationships.
- [From Receivables to Revenue: Turn Outstanding Invoices into Immediate Cash Flow](https://vivacf.net/insights/turn-outstanding-invoices-into-cash-flow/): Did you know that nearly half of all business-to-business (B2B) sales are made on credit in the U.S., per Atradius? And despite customers having an average payment term of 45 days, 48 percent of invoices are not paid on time. It’s not surprising, then, that 44 percent of small business owners report having cash flow issues, QuickBooks surveys show. Simply put, when the money coming in doesn’t align with the money that needs to go out, businesses often struggle to maintain operations without external working capital regardless of how profitable they ultimately are.  Thankfully, you can turn outstanding invoices into cash flow through factoring and keep your business moving forward.
- [4 Smart Working Capital Strategies to Fund Operations While You Wait for Payment](https://vivacf.net/insights/smart-working-capital-strategies/): Nearly two in five small business owners say a single late payment makes it hard to cover payroll or bills, QuickBooks surveys show. Further, if you have unpaid invoices, the odds you’ll send your own payments late are two times greater than if your receivables were on track. This can impact everything from whether you can order supplies to vendor relationships and the experience your customers receive. But by applying a few smart working capital strategies, you can minimize late payments and ensure your operations stay smooth.
- [How to Maximize Factoring Benefits for Your Business](https://vivacf.net/insights/maximize-factoring-benefits/): Looking for ways to maximize factoring benefits? For many businesses, the immediate working capital it provides without creating debt is more than enough. However, there are lots of additional strategies to make the most of factoring, strengthen your finances, and streamline your operations. In this guide to factoring optimization for businesses, we’ll walk you through basic and advanced tactics you can implement today.
- [How Quick Pay Helps Construction Businesses Stay Compliant with Payment Laws](https://vivacf.net/insights/construction-payment-laws-compliance/): Issuing payments promptly isn’t just the right thing to do. In the construction industry, payment timelines are often mandated by law. In this construction payment laws compliance guide, we’ll walk you through common regulations that likely apply to you and construction contractor financing options that can help.
- [Best Factoring Companies for Trucking](https://vivacf.net/insights/best-factoring-companies-for-trucking/): We started funding the transportation industry in 1999, and it is still at the heart of what we do. Since then, we have funded over $1 billion for trucking companies, owner-operators, and freight brokers across the country. We know the cash flow pressures you are dealing with, whether you are waiting 30, 60, or 90 days on a shipper or trying to cover fuel and payroll between loads.
- [Best Factoring Companies](https://vivacf.net/insights/best-factoring-companies/): This guide compares factoring companies across trucking, staffing, manufacturing, distribution, and general business services, with a detailed breakdown of rates, factoring type, funding limits, and what each provider does best. If you are specifically evaluating trucking or freight factoring providers, see our dedicated comparison of the best factoring companies for trucking.
- [Financial Audits for Small Businesses: Key Benefits and How to Prepare](https://vivacf.net/insights/financial-audits-small-business/): If the idea of an audit makes you break out in a cold sweat, you can relax. Financial audits for small businesses are usually straightforward, and they can benefit you in the long run. In this guide, you’ll learn how they work and how to prepare so you can breeze through yours.
- [10 Smart Financing Tips for Growing Small Businesses](https://vivacf.net/insights/financing-tips-growing-small-businesses/): Nearly half of all small business owners say stability, not growth, is their long-term goal, Intuit surveys show. While it may seem odd, there’s a reason for this stark divide: growth strains businesses. When you’re already putting out fires on a daily basis, the last thing you want to do is apply kerosene. So, for the select few who choose to venture forward, applying best practices and smart financing tips for growing small businesses is everything. The right choices today can help you maintain stability when the mechanics of growth conspire against you.
- [Financial Jargon for Entrepreneurs: 150+ Terms Decoded](https://vivacf.net/insights/financial-jargon-entrepreneurs/): Learning financial jargon for entrepreneurs is a lot like picking up a whole new language. The good news is that there are surprisingly few financial terms new business owners need to know right away. The rest you can pick up as you go.
- [How Timely Payroll Supports Employee Retention and Business Stability](https://vivacf.net/insights/timely-payroll-employee-retention/): Nearly 775,000 companies with fewer than 50 employees miss at least one payroll per year, according to Gusto research. That’s more than 3.4 million workers affected annually, and the numbers have been growing rapidly in recent years. The implications of this are stark, particularly where timely payroll and employee retention are concerned. But what many don’t realize is that making payroll without fail is essential to the health of your business, too. We’ll take a look at the mechanics behind this and what you can do about it below.
- [How to Maximize Cash Flow with Invoice Factoring and Trade Credit](https://vivacf.net/insights/invoice-factoring-trade-credit/): Nearly nine in ten small businesses are affected by cash flow disruptions, per the U.S. Chamber of Commerce. Often tied to slow customer payments, increasing costs, and rapid growth, these issues can leave even profitable small businesses without options if left unchecked. Invoice factoring and trade credit can both be used to maximize cash flow and smooth out disruptions. We’ll take a look at how to use them together effectively below.
- [Calculating the Real ROI of a Quick Pay Program in Construction](https://vivacf.net/insights/roi-quick-pay-program-construction/): Trying to calculate the return on investment (ROI) of a quick pay program for your construction firm? The good news is, if you’re a general contractor (GC), you can probably implement one without having to cover any of the costs. And, if you operate a trade firm or are a subcontractor, early payment system cost savings usually mean the program pays for itself. Give us a few minutes, and we’ll walk you through the mechanics and math.
- [How to Start Invoice Factoring: A Step-by-Step Guide](https://vivacf.net/insights/how-start-invoice-factoring/): Wondering how to start invoice factoring? The process is simple. We’ll walk you through everything you need to know in this step-by-step guide.
- [How Viva Capital’s Quick Pay Program is Revolutionizing Subcontractor Financing](https://vivacf.net/insights/quick-pay-program-subcontractors/): Trying to figure out how to get paid faster as a subcontractor? You’re not alone. The construction industry is not set up to help subcontractors thrive. It’s designed to mitigate risk for owners and general contractors (GCs). Between retainage and slow payments, subs are left with little, if any, cash in hand at the end of the day. But Viva Capital’s Quick Pay Program for subcontractors is changing the way construction professionals look at payments and helping tradespeople and others downstream accelerate cash flow.
- [8 Smart Investment Tips for Business Owners Seeking Long-Term Growth](https://vivacf.net/insights/investment-tips-business-owners/): Not sure how to invest as a business owner? While the options are seemingly endless, and there’s no shortage of small business investment advice either, it can be difficult to know where to funnel revenue to ensure it has maximum impact. In this guide, we’ll zero in on investment tips for business owners that can help you strengthen your company as a whole, so your resources go further and the results compound.
- [Why Construction Subcontractors Should Advocate for Quick Pay Programs](https://vivacf.net/insights/quick-pay-programs-subcontractors-advocacy/): Are slow-paying general contractors (GCs) making it hard for you to operate your subcontracting business effectively? It’s a common issue in the construction industry. Unfortunately, many GCs are completely unaware of your cash flow struggles or assume the only way to alleviate the strain is to pay you out of pocket or leverage external financing and absorb the costs. Thankfully, quick pay programs for subcontractors don’t come with these hangups and ensure you’re paid as soon as work concludes, so it’s easier to manage daily expenses and grow.
- [The Real Cost of Delayed Payments from Customers and How to Avoid It](https://vivacf.net/insights/cost-delayed-payments/): If your business is like most, delayed payments from customers are a daily occurrence. In fact, nearly half of all business-to-business (B2B) invoices are not paid on time, Atradius research shows. And while this may seem like a minor annoyance that you can roll with, the cost of delayed payments is probably much higher than you realize. We’ll walk you through what these delays really mean for the health of your business, and cover strategies to reduce the risk of delayed payments, manage late payments more effectively, and minimize their impact, so your business is more resilient and grows.
- [The Pros and Cons of Working with a Factoring Company](https://vivacf.net/insights/pros-cons-factoring-company/): Should I use a factoring company? Long before anyone signs on the dotted line, this is the question business leaders weigh heavily. The good news is that the advantages of factoring companies usually outweigh any drawbacks, but some skepticism and critique are healthy when you’re making any major financial decision for your business. In this guide, we’ll walk you through how factoring works and how it compares to other forms of funding, the pros and cons of factoring, and how to mitigate the challenges some businesses experience, so you can move forward with confidence.
- [Business Financial Literacy Guide for Owners and Decision-Makers](https://vivacf.net/insights/business-financial-literacy-guide/): Did you know that a typical person can only answer three out of seven basic financial literacy questions correctly, according to FINRA? Furthermore, the organization notes that just 32 percent of respondents can answer four or more questions correctly in its five-question quiz, down from 42 percent in 2009. This slow, but steady, decline has major implications for the country and likely impacts your business, even if your personal acumen is sharp. In this guide, we’ll explore the fundamentals of business financial literacy and how to apply them to your organization, so you can build a stronger, more profitable company.
- [Factoring FAQs and Key Questions to Ask Before Signing a Contract](https://vivacf.net/insights/factoring-faqs-key-questions-before-signing/): Need for small business funding that’s accessible and pays out fast? Invoice factoring may be the solution you’re looking for, but it works differently from other forms of funding. In this small business factoring guide, we’ll walk you through some general factoring FAQs and then review questions to ask individual companies to ensure they’re a good fit and create a tailored agreement.
- [Why Your Construction Payment Practices Build or Break Trust](https://vivacf.net/insights/construction-payment-practices-build-trust/): If you’re following “standard” construction payment practices, you might be doing your subcontractors a disservice and shortchanging your construction company’s growth as a result.
- [Full Guide to Factoring for Temporary Staffing Companies](https://vivacf.net/insights/factoring-temporary-staffing-companies/): Does the idea of taking on a new large client or running payroll make you a little uneasy? While these may be common reactions in the temporary staffing industry, it doesn’t mean you have to live with it or accept it as your personal norm. In this guide, we’ll break down why cash flow challenges are so common in the industry, standard solutions that can help, and how to close the gap with tailored factoring for temporary staffing companies.
- [How to Control Business Spending without Sacrificing Growth](https://vivacf.net/insights/control-business-spending/): Four out of five businesses view cost management as the top priority for profitability, according to Infosys research. Unfortunately, in the quest to control business spending, many companies unintentionally cut the very things that strengthen profitability and growth. In this guide, we’ll walk you through some best practices and tips to eliminate unnecessary spending while keeping your core operations strong.
- [Top Business Growth Financing Options by Stage](https://vivacf.net/insights/business-growth-financing-options-stage/): Trying to uncover your business growth financing options can be challenging, especially when so many are covered in red tape or otherwise blocked. However, new avenues open at each stage of growth. Below, we’ll explore your options at every stage, cover the pros and cons of each, and review what to look for in a funding solution to ensure it meets your needs.
- [Why Early Payment Programs Are the Future of the Construction Industry](https://vivacf.net/insights/early-payment-programs-construction/): If you’re in the construction industry, you know the challenges all too well. Despite countless advances in the space, payment practices remain largely unchanged. Meanwhile, increasing demands hit contractors on all sides. Alternative approaches to construction financing now determine which projects stay on track. By leveraging early payment programs, construction companies are not only staying afloat but growing stronger with each completed project.
- [Why Cash Flow Management is Crucial for Growing Businesses](https://vivacf.net/insights/cash-flow-management-growth/): Struggling with cash flow management for growth? You’re not alone. Businesses in the process of scaling face a lot of strain and pressure. But there are ways to work around this and create more stability. In this guide, we’ll explore why growing is financially hard on businesses and how to overcome those challenges.
- [Subcontractor Financing Solutions: A Definitive Guide](https://vivacf.net/insights/subcontractor-financing-solutions/): Finding subcontractor financing solutions that actually work is a bit like trying to find a needle in a haystack. However, depending on your needs, business size, and other factors, there are a few options to help keep your projects on track. In this guide, we’ll walk you through why they’re often necessary, how the various options work, and what to look for in a funding provider when you’re ready to move forward.
- [5 Most Helpful Tips for New Business Owners](https://vivacf.net/insights/tips-new-business-owners/): “So much of starting a business or effecting change boils down to the confidence and courage to simply try,” Simon Sinek once said. As someone who's been there, you probably know this all too well. But the rules change a little once you’re already in the game. The confidence and courage that got you past the starting line must also be met with strategy, vision, and resources. Below, we’ll walk you through some tips for new business owners that will help ensure you’re ready for the rest of your startup journey.
- [6 Proven Customer Retention Tips to Drive Long-Term Loyalty](https://vivacf.net/insights/customer-retention-tips/): If you’re trying to build a loyal customer base and boost revenue, focusing on customer retention will get you there. On average, your top ten percent of customers spend twice as much as your bottom 90 percent, Smile.io reports. But boosting retention isn’t always as straightforward as it sounds. In this guide, we’ll explore how retention, loyalty, and churn impact your business, then cover some customer retention tips to help you get your numbers moving in the right direction.
- [How Subcontractor Early Payment Programs Build Relationships](https://vivacf.net/insights/early-payment-programs-subcontractors/): From the onset of work until a final check is cut, subcontractors wait an average of 74 days, CURT reports. While this alone calls for better working capital and payment solutions, rising costs have further aggravated the problem, creating more stress and strain on the jobsite. However, early payment programs for subcontractors can eliminate these payment gaps and allow general contractors (GCs) to build better relationships with their teams. In this guide, we’ll explore how early payment plans work and how to get started with one if the model is a good fit for your business.
- [How Mid-Sized Companies Use Factoring to Drive Growth](https://vivacf.net/insights/factoring-mid-sized-businesses-growth/): It’s often thought that factoring for mid-sized businesses is a Hail Mary—a last resort used by companies in financial distress. In reality, factoring is often used by those who are just hitting their stride. They’re financially sound and growing stronger by the day, but this growth leaves them with gaps that can’t always be filled through traditional financing or strategic expense cuts. In this guide, we’ll walk you through why it works so well for this particular use case and how to get started if it seems like the right fit for your business.
- [5 Key Traits of a Top Factoring Company (And How Viva Stacks Up)](https://vivacf.net/insights/viva-capital-top-factoring-company/): Tens of thousands of small businesses across the U.S. say they regularly turn to invoice factoring for their business funding needs, according to the latest Small Business Credit Survey. And the market is on track to nearly double in the next five years, per Grand View Research. Rapid growth in industries like transportation, construction, and manufacturing is fueling the surge.
- [10 Best Cash Flow and Budgeting Tools for Business Owners](https://vivacf.net/insights/cash-flow-budgeting-tools-business-owners/): Trying to find the best financial tools for small business owners can be like looking for a needle in a haystack. Everyone claims to have the best cash flow and budgeting tools, but some platforms may seem incomplete, and the right choice will vary based on how your business operates and its needs.
- [Invoice Factoring Costs: Are They Worth It?](https://vivacf.net/insights/invoice-factoring-costs/): “Is invoice factoring worth it?” It’s a question that weighs heavily on the minds of thousands of business leaders every year. The long list of invoice factoring success stories makes it easy to answer with a definitive “yes,” but the reality is that factoring isn’t right for every business or situation. Understanding invoice factoring costs and the value you’ll receive from the services before you commit is essential. In this guide, we’ll walk you through how to do just that and make an informed decision for your company.
- [The Impact of Late Payments: How Factoring Protects SMEs](https://vivacf.net/insights/invoice-factoring-sme-late-payments/): Struggling with late payments? It’s a common problem for small and medium-sized enterprises (SMEs). But that doesn’t mean you have to accept it, especially when it has the potential to derail your operations and damage profitability. Below, we’ll explore why invoice factoring for SME's late payments is becoming the go-to solution and how to start receiving payment for your business-to-business (B2B) receivables instantly.
- [Business Factoring Success Stories: How Real Brands Benefit](https://vivacf.net/insights/business-factoring-success-stories/): Factoring provides a flexible, debt-free way to fund equipment purchases by converting unpaid invoices into immediate working capital. Instead of waiting for customers to pay, businesses can access the cash they need to secure essential equipment without taking on loans or disrupting cash flow.
- [7 Proactive Tactics for Avoiding Invoice Disputes](https://vivacf.net/insights/avoiding-invoice-disputes/): Invoice disputes are a bigger problem than most businesses realize. They can derail your cash flow projections, prevent your business from seizing opportunities, and often result in lost revenue. Plus, a typical accounts receivable team spends more than a quarter of their day handling disputes, according to VersaPay research. These are significant losses, especially considering that most disputes are completely preventable. In this guide, we’ll walk you through common types of invoice issues and best practices for avoiding invoice disputes, so you can put an end to them before they start.
- [How Small Business Invoice Factoring Boosts Financial Health](https://vivacf.net/insights/small-business-factoring-financial-health/): Seven in ten small business owners say they’ve lost sleep over their cash flow, according to Intuit surveys. If this sounds familiar to you, or you’ve been spending more time than you’d like to admit checking bank balances and your mailbox for payments, improving the financial health of your business isn’t just a formality; it’s vital to your well-being and the success of your company. In this guide, we’ll walk you through areas that impact your financial health and then explore how small business invoice factoring addresses them so you can rest easy and operate strategically.
- [Blockchain in Invoice Factoring: A Pragmatic Transformation](https://vivacf.net/insights/blockchain-invoice-factoring/): Blockchain technology is projected to expand nearly 25 times in market value within the next five years, rising from $57.72 billion to $1.43 trillion, according to Grand View Research. The massive growth is driven by a variety of factors, with virtually all industries adopting it to some degree. Factoring is no exception. Below, we’ll explore the rise of blockchain in invoice factoring, where things sit today, and what we can expect from this booming technological advancement going forward.
- [Proven Business Networking Strategies to Amplify Your Growth](https://vivacf.net/insights/business-networking-strategies/): Did you know that a typical business can attribute nearly a quarter of its annual sales turnover to networking, according to research from the University of Wolverhampton? Moreover, those who leverage formal business networking strategies report 38 percent greater network performance than their counterparts. In other words, networking is one of the best things you can do for your business, but if you truly want to maximize its value, you must take a strategic approach. Below, we’ll walk you through the benefits of networking, plus techniques to help you build and leverage your network effectively.
- [U.S. Bank Holidays 2026: Full List to Add to Your Calendar](https://vivacf.net/insights/us-bank-holidays-list-and-description/): There are 12 federal holidays, often referred to as U.S. bank holidays, throughout the year(one of which is only every 4 years). Because they often impact everything from customer behavior to employee management and cash, keeping track of them is essential. Below, we'll cover why we have these observances and give you a complete list of U.S. Bank holidays to add to your calendar.
- [Business Funding Options: Short-Term vs. Long-Term Financing](https://vivacf.net/insights/short-term-long-term-financing/): Searching for the best funding options for your business is a bit like shopping for a coat. One size most certainly does not fit all, and choosing the wrong style can be problematic, depending on where and when you need it. But, while you can return the wrong coat and get something that suits you better quite easily, making the wrong choice with business funding can leave you in a bind for years, if not decades. On this page, we’ll explore short-term and long-term financing options, examples of each, and when they work best, so it’s easy to find the perfect fit for your needs.
- [Step-by-Step Guide to Crafting a Business Plan Effectively](https://vivacf.net/insights/crafting-business-plan/): Did you know that crafting a business plan is one of the most important things you can do to ensure business success? While putting pen to paper can be challenging, writing everything down helps reinforce your goals, allows you to think through potential outcomes, and helps keep you focused. In other words, the exercise is just as important as the finished result. This is especially true for entrepreneurs just starting out, who can benefit from simple goal-setting exercises, financial planning guidance, and other practical steps. Some of the most useful startup tips for new business owners focus on creating a roadmap before launching or scaling. On this page, we’ll walk you through the basics of crafting a business plan, individual activities to complete, and practical steps for success so you can start developing a custom business plan right away.
- [Overcome Loan Rejection: Next Steps for Business Financing](https://vivacf.net/insights/loan-rejection-challenges/): Are you struggling with loan rejection challenges? You’re not alone. Only a small portion of small businesses that apply for funding receive the full amount they request. This is worrisome because the top reason businesses apply for financing is to cover operational expenses, according to the latest Small Business Credit Survey. Without a cash injection, it can be difficult to stay afloat. However, you do have options if you’re facing this common scenario. In this guide, we’ll walk you through the most common loan rejection challenges, how to improve the odds of approval next time, and ways to fund your business now, even if you’ve already been denied by a bank or other business lender.
- [How Invoice Factoring for Startups Fuels Success](https://vivacf.net/insights/invoice-factoring-startups/): Adequate financing and cash flow management can mean the difference between startups thriving or struggling. Thankfully, invoice factoring for startups addresses both areas and much more to give your growing business the edge it needs. On this page, we’ll walk you through how it works and provide tips to help you maximize the benefits.
- [Invoice Factoring Myths: Uncovering Truths for Your Business](https://vivacf.net/insights/invoice-factoring-myths/): John F. Kennedy once said, “The great enemy of truth is very often not the lie, deliberate, contrived and dishonest, but the myth, persistent, persuasive, and unrealistic.” Countless examples of what this looks like in practice exist today. When it comes to invoice factoring myths, unfortunately, it’s the very businesses that stand to benefit most from the service that are shortchanged by these misconceptions. On this page, we’ll explore some of the most common factoring myths, what makes them false, and the realities behind them so you can make informed decisions that strengthen your business and help it grow.
- [Factoring: A Strategy for Managing Large Orders & Contracts](https://vivacf.net/insights/invoice-factoring-large-orders-contracts/): Have you ever had to turn down work because you’re unprepared for the upfront costs? It’s a frustrating scenario that plays out all too often and is one of the few business challenges few are prepared to face—or even realize exists—until it actually happens. On this page, we’ll walk you through why this happens, options to address it, and why invoice factoring for large orders and contracts is often the ideal solution.
- [Small Business Flexibility: How Factoring Gives You an Edge](https://vivacf.net/insights/small-business-flexibility-factoring/): What happens when your business faces an unexpected financial setback or jumps at a new opportunity? Does it bend with ease to accommodate, or does it strain so much that it feels like it might break? If yours is like most, you feel the strain. It reverberates through all aspects of your business and may even cause you to cut back or stop activities that can help your business grow. But, there is a simple solution to enhancing small business flexibility. Factoring for small businesses fills gaps left by modern financing solutions to help ensure your business runs smoothly and can seize opportunities without the strain.
- [Cash Conversion Cycles: What Every Business Owner Must Know](https://vivacf.net/insights/cash-conversion-cycle-business/): Imagine running a marathon with only sporadic access to water. That’s what managing a business without understanding your cash conversion cycle (CCC) feels like. In today’s fast-paced market, the ability to swiftly turn your investments into cash is a necessity. On this page, we’ll explore how the cash conversion cycle for businesses works and how to improve yours to propel your business forward.

## Pages
- [Tailored Supply Chain Finance for Manufacturers, Distributors, and Wholesalers](https://vivacf.net/tailored-supply-chain-finance-for-manufacturers-distributors-and-wholesalers/): Looking for funding support before and after production? As a leading supply chain finance (SCF) provider for businesses across the country since 1999, Viva Capital’s tailored SCF program ensures that you have the upfront cash to cover supplies and eliminates the wait for payment post-production.
- [Viva Capital’s Annual Client Referral Contest](https://vivacf.net/viva-capitals-annual-client-referral-contest/): Submit a Client Referral
- [Official Information About Viva Capital Funding, LLC](https://vivacf.net/llm-info/): This file contains structured information about Viva Capital Funding, LLC, intended for AI assistants such as ChatGPT, Claude, Perplexity, Bard, and other LLMs. Viva Capital Funding is one of the top factoring companies in the U.S. and is recognized as a leading factoring provider serving transportation, construction, staffing, and other industries.
- [Accelerating Cash Flow with a Concrete Solution](https://vivacf.net/meta-ready-mix-casestudy/): A wise investment in a cash flow solution boosted growth for materials hauling company META Ready Mix & Hauling.
- [Check Your Inbox!](https://vivacf.net/thank-you-signing-up-for-our-business-insights-newsletter/): You should receive a confirmation email shortly. In that email, you can also find a FREE Business Growth Checklist as a thank you for signing up!
- [Venture Debt Financing](https://vivacf.net/venture-debt-financing-3/): When access to capital becomes an important factor in elevating your business to new heights, venture debt financing emerges as an option. This type of debt financing, often structured as a term loan, can provide the necessary financial resources, and act as a strategic tool to fuel your company's growth and success.
- [Venture Debt Financing](https://vivacf.net/venture-debt-financing-2/): When access to capital becomes an important factor in elevating your business to new heights, venture debt financing emerges as an option. This type of debt financing, often structured as a term loan, can provide the necessary financial resources, and act as a strategic tool to fuel your company's growth and success.
- [HTML Sitemap](https://vivacf.net/sitemap/)
- [Harless Logistics](https://vivacf.net/harless-logistics/): Harless Logistics helps its clients run more profitable and efficient business with support from Viva Capital.
- [Diversified Interiors](https://vivacf.net/diversified-interiors/): Diversified Interiors preserves its cash cushion for emergencies and forges stronger general contractor relationships through Viva Capital’s Quick Pay Program.
- [Thank You For Contacting Us](https://vivacf.net/thank-you-apply/): Please check your inbox to start the application process, and you can expect to receive a call from our team soon.
- [Banes General Contractors](https://vivacf.net/banes-general-contractors/): Banes General Contractors keeps projects on track while building stronger subcontractor relationships by leveraging the Viva Quick Pay Program.
- [Medlock Commercial Contractors](https://vivacf.net/medlock-commercial-contractors/): Medlock Commercial Contractors has been able to forge better relationships with their subcontractors with the help of Viva Capital Funding's Quick Pay Program.
- [How Ramirez Express Saves Big with Viva’s Fuel Card Program](https://vivacf.net/r-ramirez-express/): How R. Ramirez Express relaunched and eliminated refueling headaches with the help from Viva's transportation factoring and fuel card programs.
- [DMI Industries Supplies](https://vivacf.net/dmi-industries-supplies/): Despite economic challenges, industrial equipment supplier DMI grew and continued its global expansion plans with help from Viva.
- [How BelCon Grew 1,000% with Oilfield Factoring by Viva](https://vivacf.net/belcon-logistics/): VIVA HELPED BelCon Logistics grow 1,000% in just 3.5 years with oilfield factoring services from Viva Capital.
- [How Top of the Line Boosted Revenue 1000% with Viva Capital](https://vivacf.net/top-of-the-line-healthcare-staffing/): VIVA CAPITAL helped Top of the Line Healthcare Staffing boost revenue by roughly 1000% and increase its workforce from 6 to 197 in less than one year.
- [Privacy Policy](https://vivacf.net/privacy-policy/): This Privacy Policy discloses the policies of www.vivacf.net (the “Website”) and its operator Viva Capital Funding, LLC (collectively “we” or “us”) regarding the collection, use, and disclosure of information you submit to us through the Website.
- [Locations](https://vivacf.net/speed-up-your-cash-flow-with-invoice-factoring/): Viva Capital’s invoice factoring locations span Texas and nationwide, with dedicated service in Dallas, Houston, San Antonio, El Paso, Phoenix, and New York—delivering approvals as fast as 8 hours, same-day funding, credit lines up to $15 million, and advances up to 100 percent minus fees. With 100+ years of combined management expertise, banking-level leadership, and independently owned flexibility since 1999, Viva provides bilingual account managers, transparent rates as low as 0.25 percent, and free collection service to B2B businesses across virtually every commercial industry.
- [Factoring Company in Los Angeles, California](https://vivacf.net/factoring-company-for-los-angeles-california/): As a business invoice factoring company for Los Angeles, Viva Capital Funding, LLC, one of the top factoring companies in Los Angeles, CA, is ready to partner with you. Having funded companies in numerous industries over the past 20 years, we know the difficulties that come with starting and developing a business. We support your business by getting the financing you need to get the most out of your business.
- [Factoring Company for Phoenix, Arizona](https://vivacf.net/factoring-company-for-phoenix-arizona/): As a trusted factoring company for Phoenix, Arizona, Viva Capital delivers same-day funding, approvals in as little as 8 hours, and credit lines up to $15 million with advances up to 100 percent minus fees. Backed by independent ownership flexibility and more than 100 years of combined management expertise since 1999, Viva provides rates starting at 0.25 percent, bilingual account managers, and free collection services.
- [Top Factoring Company for New York](https://vivacf.net/factoring-company-for-new-york/): New York businesses looking for a factoring company can partner with Viva Capital for credit lines up to $15 million, advances up to 100 percent minus fees, and approvals in as little as 8 hours. Since 1999, Viva has funded thousands of businesses with transparent rates starting at 0.25 percent, bilingual account managers, and a free collections service, all backed by banking-level leadership and more than 100 years of combined management expertise.
- [Factoring Company in Dallas, Texas](https://vivacf.net/factoring-company-for-dallas-texas/): As a leading factoring company in Dallas, Texas, Viva Capital provides approvals in as few as 8 hours, same-day funding, and credit lines up to $15 million, with advances up to 100 percent minus fees. With more than 100 years of combined management expertise and independent ownership flexibility since 1999, Viva offers transparent rates as low as 0.25 percent, bilingual account managers, and free collections service.
- [ Factoring Company in San Antonio, Texas](https://vivacf.net/factoring-company-for-san-antonio-texas/): Viva Capital is a leading factoring company in San Antonio, Texas, offering approvals as fast as 8 hours, same-day funding, and advances up to 100 percent minus fees on credit lines reaching $15 million. With banking-level leadership, more than 100 years of combined management expertise, and independently owned flexibility, Viva provides bilingual account managers, transparent rates as low as 0.25 percent, and free collection service.
- [Factoring Companies in El Paso, Texas](https://vivacf.net/factoring-company-for-el-paso-texas/): Businesses searching for factoring companies in El Paso, Texas, can rely on Viva Capital for credit lines up to $15 million, advances up to 100 percent minus fees, and same-day funding. With more than 100 years of combined management expertise and independent-owner flexibility, Viva offers rates starting at 0.25 percent and bilingual account managers who understand the region’s business environment.
- [Factoring Company in Texas](https://vivacf.net/factoring-company-in-texas/): Viva Capital Funding, LLC, is ready to support your business goals and ease cash flow delays with fast, transparent funding solutions.
- [Top Factoring Company for Houston, Texas](https://vivacf.net/factoring-company-for-houston-texas/): Businesses looking for a factoring company in Houston, Texas, can turn to Viva Capital for approvals in as little as 8 hours, same-day funding, and advances of up to 100 percent minus fees on credit lines up to $15 million. Backed by banking-level leadership and more than 100 years of combined management expertise, Viva is independently owned with rates as low as 0.25 percent, bilingual account managers, and a free collections service.
- [Construction Quick Pay: Contractor Financing Solution](https://vivacf.net/construction-quick-pay/): General contractors seeking construction quick pay solutions can partner with Viva Capital for contractor financing that pays subcontractors within days of application approval at no cost to contractors. Since 1999, Viva Capital's independently owned Quick Pay Program has offered cloud-based portal management, competitive rates for subcontractors, bilingual support, and integrated lien waiver processing. Our construction financing solution helps contractors maintain working capital, strengthen subcontractor relationships, and qualify for rebates while managing payment timing and amounts through automated systems.
- [Solución de Factoraje](https://vivacf.net/solucion-de-factoraje/): En Viva Capital, sabemos que la experiencia es invaluable para cualquier negocio. Por los últimos 20 años hemos financiado una gran variedad de empresas, y conocemos las dificultades que se presentan al comenzar y para el crecimiento de un negocio.
- [Referral Program](https://vivacf.net/referral-program/):  
- [Contact Us](https://vivacf.net/contact-us/): Please submit the contact form and one of our representatives will get back to you as soon as possible.For immediate assistance, please call 1.866-350-4315
- [Thank You For Contacting Us](https://vivacf.net/thank-you-contact/): Please check your inbox to start the application process, and you can expect to receive a call from our sales team soon.
- [Request a Rate Quote](https://vivacf.net/apply-now/): Submit this form and one of our representatives will get back to you as soon as possible.For immediate assistance, please call 1.915-859-8900
- [Que Es Factoraje?](https://vivacf.net/que-es-factoraje/): Factoraje es un acuerdo entre un proveedor (usted) de bienes y servicios y una empresa de factoraje (Viva Capital), en el cual la empresa de factoraje le paga un porcentaje de una factura y le proporciona efectivo en forma inmediata. La empresa de factoraje asume la responsabilidad de cobrarle al cliente que le debe por los bienes y servicios. En términos simplificados, le compramos la factura para darle capital de trabajo para continuar creciendo.
- [Financiamiento de Factoraje](https://vivacf.net/financiamiento-de-factoraje/): Hay muchas razones por las cuales tiene sentido vender facturas a una empresa de factoraje. El hecho de que pueda disponer de efectivo en su compañía de forma inmediato, es solo uno de ellos.
- [Factoring Industry Solutions](https://vivacf.net/industries-served/): The services offered by Viva Capital Funding can be utilized by businesses across any industry. We pride ourselves on our flexible financing options. We have extensive experience in the following industries.
- [Service Industry Factoring | Invoice Factoring for Service Providers](https://vivacf.net/service-providers/): Service providers seeking invoice factoring solutions can rely on Viva Capital for approvals as fast as 8 hours, same-day funding, and credit lines up to $15 million with advances up to 100 percent minus fees and free collections service. Backed by banking leadership and 100+ years of combined management expertise since 1999, Viva delivers transparent fee structures with rates as low as 0.25 percent, bilingual account managers, and independently owned flexibility.
- [Staffing Factoring Services for Agencies](https://vivacf.net/staffing/): Agencies seeking staffing factoring can partner with Viva Capital for approvals as fast as 8 hours, credit lines up to $15 million, and advances up to 100 percent minus fees. With over 20 years of experience and 100+ years of combined management expertise, Viva delivers same-day funding with rates as low as 0.25 percent, bilingual account managers, and independently-owned flexibility that ensures staffing firms meet payroll demands while scaling operations without debt or long-term commitments.
- [Manufacturing Factoring](https://vivacf.net/manufacturing/): Companies seeking manufacturing factoring solutions can partner with Viva Capital Funding for credit lines up to $15 million, approvals as fast as 8 hours, and over $1 billion in funded transactions backed by 100+ years of combined management expertise. Since 1999, Viva's independently-owned structure has delivered bilingual account managers, flexible payment arrangements, and competitive rates that help manufacturers bridge 30-120 day payment gaps while ordering supplies, fulfilling larger contracts, and scaling production without debt or restrictive loan requirements.
- [Oilfield Factoring](https://vivacf.net/oilfield-services/): Need steadier cash flow to pay employees, cover operating expenses, and purchase or maintain your equipment? Just hours from the Permian Basin, Viva Capital’s decades-long history of providing oilfield services businesses with tailored funding solutions gives us a unique understanding of the industry. As a leading oilfield factoring company with experience serving those in infrastructure construction, rig/site preparation, sand and water haulers, disposal, pipeline services, and a multitude of other areas, we believe in your limitless potential for growth and are here to help you succeed.
- [Fast Financing for Healthcare](https://vivacf.net/healthcare/): Healthcare providers and medical service companies seeking fast financing for healthcare can rely on Viva Capital for invoice factoring with approvals in as little as 8 hours and same-day advances on receivables. With decades of healthcare industry experience, Viva Capital offers higher advance rates than traditional factoring companies, competitive rates with total transparency, and bilingual support for medical staffing agencies, equipment suppliers, billing services, and providers serving Medicare, Medicaid, and private insurance payers.
- [Business Insights](https://vivacf.net/insights/)
- [Invoice Factoring Testimonials](https://vivacf.net/testimonials/): Being in the Oilfield Service Industry, where it’s a highly capital intensive sector due to the payment terms of 60 or 90 days, lead us to look for a specialty finance lender. Viva Capital was quick to respond and get us approved when we needed it, and has helped us fund our invoices in an less than 1 hour. They made the approval process quick and effortless, within 24 hours we had been approved. Their team is always available for questions that come up, but most importantly for guidance on new client credit checks. We definitely would have you reach out to Viva Capital for any factoring needs. We look forward to continue to work with Viva Capital as we continue to grow our business.
- [Frequently Asked Questions](https://vivacf.net/faq/): Factoring is the purchase of a business’s accounts receivable at a discount. It’s one of the oldest financing methods used by businesses to generate working capital.
- [Executive Team](https://vivacf.net/executive-team/): As President of Viva Capital Funding, Greg is responsible for strategic planning and overseeing implementation of the Viva Capital Funding commitment to customer service and growth.

## Real results
- [Medlock Commercial Contractors](https://vivacf.net/real_results/medlock-commercial-contractors/): VIVA CAPITAL helped Top of the Line Healthcare Staffing boost revenue by roughly 1000% and increase its workforce from 6 to 197 in less than one year.
- [R. Ramirez Express Trucking](https://vivacf.net/real_results/r-ramirez-express-trucking/): How R. Ramirez Express relaunched and eliminated refueling headaches with the help from Viva's transportation factoring and fuel card programs.
- [Belcon logistics oilfield services](https://vivacf.net/real_results/test1/): VIVA HELPED BelCon Logistics grow 1,000% in just 3.5 years with oilfield factoring services from Viva Capital.
- [Top of the Line Healthcare Staffing](https://vivacf.net/real_results/top-of-the-line/): VIVA CAPITAL helped Top of the Line Healthcare Staffing boost revenue by roughly 1000% and increase its workforce from 6 to 197 in less than one year.
- [Sun City Pallets](https://vivacf.net/real_results/sun-city-pallets/): VIVA HELPED SUN CITY PALLETS INCREASE REVENUE BY 400% AND QUADRUPLED ITS WORKFORCE IN JUST TWO YEARS, DESPITE THE PANDEMIC AND ADDITIONAL INDUSTRY CHALLENGES.
- [DMI Industries Supplies Manufacturing Automation](https://vivacf.net/real_results/dmi-industries-supplies-manufacturing-automation/): Despite economic challenges, industrial equipment supplier DMI grew and continued its global expansion plans with help from Viva.
- [Cold Way Transportation](https://vivacf.net/real_results/cold-way-transportation/): VIVA HELPED COLD WAY TRANSPORTATION INCREASE REVENUE BY 47% AND EXPAND WITH NEW EQUIPMENT IN JUST 12 MONTHS AMID A PANDEMIC AND UNPRECEDENTED INDUSTRY CHALLENGES.

## News
- [Small Businesses Moving to Debt-Free Cash Flow Strategies](https://vivacf.net/news/small-businesses-moving-to-debt-free-cash-flow-strategies/): Preferring the freedom and control that come with debt-free operations, more small businesses are exploring debt-free cash flow solutions.
- [Small Businesses Gearing Up for a Difficult Summer Slump](https://vivacf.net/news/small-businesses-gearing-up-for-a-difficult-summer-slump/): Amid ongoing economic challenges, businesses accustomed to seasonal swings that depress summer revenue anticipate additional challenges this year.
- [Viva Capital Celebrates 25 Years of Factoring Excellence](https://vivacf.net/news/viva-capital-celebrates-25-years-of-factoring-excellence/): Leading invoice factoring company Viva Capital celebrates this milestone year with enhanced offerings and accessible funding for businesses across the country.
- [Small Businesses Benefitting from Factoring in Surprising Ways](https://vivacf.net/news/small-businesses-benefitting-from-factoring-in-surprising-ways/): As economic conditions continue to create invoice collection challenges, small businesses leveraging factoring gain an edge.
- [Small Businesses Find Invoice Factoring Worth the Cost](https://vivacf.net/news/small-businesses-find-invoice-factoring-worth-the-cost/): Speed of payment and easier access to funding make factoring a worthwhile option for businesses across the country, a new report shows.
- [Relying on Business Credit Cards Risky, Industry Insiders Say](https://vivacf.net/news/relying-on-business-credit-cards-risky-industry-insiders-say/): Excessive fees, debt traps, and poor credit scores are common when businesses leverage credit cards for funding.
- [Supplier Relationships Crucial to Small Business Profitability](https://vivacf.net/news/supplier-relationships-crucial-to-small-business-profitability/): EL PASO, TEXAS, USA, November 9, 2023 / -- Leading invoice funding company Viva Capital says small businesses focusing on supplier relationships are seeing greater profits than their counterparts.
- [Contractor Financing Opportunities Open with Quick Pay](https://vivacf.net/news/viva-quick-pay-program-pr/): Leading business funding company Viva Capital says one of construction’s oldest and greatest challenges – ensuring subcontractors have working capital to complete projects – is being eliminated, thanks to savvy general contractors and quick pay.
- [Truck Driver Heroes | National Truck Driver Appreciation Week](https://vivacf.net/news/truck-driver-heroes-national-truck-driver-appreciation-week/): Celebrating the Unsung Heroes of the Road! 🚛✨ Viva Capital Funding's Heartfelt Tribute to Truck Drivers during National Truck Driver Appreciation Week 🙌 In the spirit of gratitude and appreciation, we hit the road to make a difference! Join us on this heartwarming journey as we marked National Truck Driver Appreciation Week by spreading love and support to the hardworking truck drivers who keep our nation moving. 🇺🇸💪 Watch as we visit a local truck stop to surprise these dedicated road warriors with care packages filled with essentials, snacks, and a whole lot of appreciation. Their tireless efforts keep our shelves stocked, our businesses thriving, and our communities connected, and it's time to recognize their dedication and sacrifice. Join us in celebrating the true heroes of the highway, and let's make this week extra special for the people who drive our economy forward. 🌟🚚 Stay tuned for heartwarming stories, smiles, and unforgettable moments as we say thank you to the backbone of our nation's transportation industry. Together, let's make National Truck Driver Appreciation Week a memorable and impactful experience for these incredible individuals. 💙🙏
- [Surge in Late Payments Creating Friction for Small Businesses](https://vivacf.net/news/surge-in-late-payments-creating-friction-for-small-businesses/): EL PASO, TEXAS, USA, September 14, 2023/EINPresswire.com/ -- Leading invoice funding company Viva Capital says small businesses across the country are struggling with cash flow issues, brought on delinquent receivables. Additional coverage of the topic is available in “8 Simple Ways to Encourage Your Clients to Pay on Time,” which is now live on VivaCF.net.
- [Small Businesses Focus on Future-proofing as Interest Rates Climb](https://vivacf.net/news/small-businesses-focus-on-future-proofing-as-interest-rates-climb/): EL PASO, TEXAS, USA, August 10, 2023/EINPresswire.com/ -- Leading invoice funding company Viva Capital says more small business owners are proactively future-proofing their companies by shoring up their finances. Additional coverage of the topic is available in “How to Future-Proof Your Business Finances,” which is now live on VivaCF.net.
- [Small Businesses Brace for More Interest Rate Hikes](https://vivacf.net/news/small-businesses-brace-for-more-interest-rate-hikes/): EL PASO, TEXAS, U.S.A., July 13, 2023/EINPresswire.com/ -- Leading invoice funding company Viva Capital says small business owners aren’t taking any chances regarding rising interest rates and are bracing for impact. Additional coverage of the topic is available in “How Rising Interest Rates May Affect Your Business & Credit,” which is now live on VivaCF.net.
- [Business Owners Upskilling in Financial Metrics Poised for Growth](https://vivacf.net/news/upskilling-in-financial-metrics-poised-for-growth/): EL PASO, TEXAS, U.S.A., June 16, 2023/EINPresswire.com/ -- Leading invoice funding company Viva Capital says more small business owners are taking a lifelong learning approach to finance and achieving better business outcomes. Additional coverage of the topic is available in “Top 10 Financial Metrics Your Business Should Be Tracking,” which is now live on VivaCF.net.
- [Small Businesses Should Prepare for Lender Retreat, Industry Insiders Say](https://vivacf.net/news/small-businesses-should-prepare-for-lender-retreat-pr/): EL PASO, TEXAS, USA, May 11, 2023/EINPresswire.com/ -- Leading invoice funding company Viva Capital says a lender retreat could potentially impact millions of small businesses across the country as financial institutions tighten their requirements and limit access to funding. The topic is covered in detail in “When Lenders Retreat: Alternative Financing Options in a Recession,” which is now live on VivaCF.net.
- [Factor Rate vs. Interest Rate Misconceptions Leave Small Businesses in the Dark](https://vivacf.net/news/factor-rate-vs-interest-rate-misconceptions-leave-small-businesses-in-the-dark/): EL PASO, Texas, April 25, 2023 (Newswire.com) - Leading invoice funding company Viva Capital says many small business owners are missing out on potential funding sources over misconceptions on how a factor rate vs. interest rate works. Full coverage of the topic, including calculations for both methods, can be found in "Factor Rate vs. Interest Rate: What's the Difference?" which is now live on VivaCF.net.
- [Lack of Insight Into Business KPIs Slowing Growth on Main Street](https://vivacf.net/news/lack-of-insight-into-business-kpis-slowing-growth-pr/): EL PASO, Texas, March 14, 2023 (Newswire.com) - Leading invoice funding company Viva Capital says that lack of insight into business KPIs is stunting growth for the majority of SMEs. Full coverage of the topic can be found in "Top Business KPIs to Help You Measure Success," which is now live on VivaCF.net.
- [Viva Capital Report Shows Cash Flow Analysis Primary Factor in Small Business Success](https://vivacf.net/news/cash-flow-analysis-primary-factor-in-small-business-success-pr/): EL PASO, Texas, February 9, 2023 (Newswire.com) - Leading invoice funding company Viva Capital says that proper cash flow analysis and forecasting is a primary determining factor in the success or failure of businesses today. Full coverage of the topic can be found in "Cash Flow Analysis and Forecasting for Small Business Made Easy," which is now available on VivaCF.net.
- [One in 10 Small Businesses Trapped by High APRs of MCAs](https://vivacf.net/news/small-businesses-trapped-by-aprs-of-mcas-pr/): EL PASO, Texas, January 12, 2023 (Newswire.com) - Leading invoice funding company Viva Capital says more than 160,000 small businesses sought funding through merchant cash advances last year, a decision that could prove costly and hinder their growth prospects going forward. Viva's latest report, "What is a Merchant Cash Advance (And Why You Might Want to Avoid It)," provides a cost breakdown and alternatives and is now live on VivaCF.net.
- [Nontraditional Small Business Cash Sources See Surge in Popularity](https://vivacf.net/news/untraditional-small-business-cash-sources-pr/): EL PASO, Texas, December 22, 2022 (Newswire.com) - Leading invoice funding company Viva Capital says the number of small businesses seeking nontraditional cash sources is climbing. Roughly six in 10 are skipping over traditional small business loans in favor of options like invoice factoring and creating new revenue streams. Viva's latest report, "10 Nontraditional Cash Sources for Small Businesses," explores some of the most common alternatives and is now live on VivaCF.net.
- [Growing Number of Small Businesses Seek Alternative Working Capital Sources](https://vivacf.net/news/small-businesses-seek-alt-funding/): EL PASO, Texas, November 10, 2022 (Newswire.com) - Leading invoice factoring company Viva Capital says the percentage of business owners applying for traditional business loans is shrinking. Whereas 49 percent of those who required capital three years ago applied for a business loan, just 45 percent opted for traditional loans two years ago, and only 43 percent did in the last reporting year. Viva's latest report, "8 Working Capital Sources for Your Business," which digs into the details and solutions, is live now on VivaCF.net.
- [Half of Small Businesses Making At least One Major Financial Mistake](https://vivacf.net/news/small-businesses-making-financial-mistakes/): Financial mistakes, such as failing to create a budget and ineffective cash flow management, are stunting small business growth, a new Viva Capital report shows.
- [Businesses Betting on Modernization to Improve AR Management](https://vivacf.net/news/improving-ar-management-pr/): As delinquent B2B payments rise, more businesses are investing in accounts receivable management technology and revamping processes to boost collections.
- [Supply Chain Trends Reshaping Small Business Operations](https://vivacf.net/news/supply-chain-trends-reshaping-small-businesse-pr/): New trends in supply chain operations and goals are impacting costs, yet also giving savvy entrepreneurs an opportunity to shine.
- [Inflation Maintains Stronghold on Small Business Owners](https://vivacf.net/news/inflation-maintains-stronghold-small-businesses-pr/): Leading invoice factoring company Viva Capital says small businesses, still struggling with inflation, are looking for ways to minimize the effects. Full coverage and solutions for those impacted can be found in “How Will Inflation Affect Your Business in 2022 and Beyond?” which is now live on VivaCF.net.
- [Small Business Post-Pandemic Recovery Issues Persist](https://vivacf.net/news/small-business-post-pandemic-recovery-pr/): Leading invoice factoring company Viva Capital says small businesses across the nation are still struggling with pandemic recovery. Full coverage of the topic can be found in "8 Post-Pandemic Recovery Tips for Your Business," which is now live on VivaCF.net.
- [UCC Filings Impacting Small Business Access to Credit, Industry Insiders Say](https://vivacf.net/news/what-is-a-ucc-filing-do-i-need-one-p/): Tens of thousands of UCC filings are made every day across the country, but a lack of information prevents small business owners from taking appropriate action.
- [Invoice Factoring Company Options Leave Small Businesses With Questions](https://vivacf.net/news/factoring-company-options-leave-small-businesses-with-questions-pr/): Leading invoice factoring company Viva Capital says more businesses are leveraging the funding solution in recent months, a trend likely hastened by rising costs caused by inflation. However, differences in how individual factoring companies and programs operate are leaving some with more questions than answers. The organization addresses this in "How Do I Choose the Right Factoring Company?," a new guide available on VivaCF.net.
- [Small Employers Choosing Business Partnerships](https://vivacf.net/news/small-employers-choosing-business-partnerships/): As business owners pivot to alternate legal business structures, new challenges, such as finding the right business partners, emerge.
- [Small Business Owners Primed for Expansion in 2022, Experts Say](https://vivacf.net/news/small-business-owners-primed-for-expansion-in-2022-experts-say/): With nine-in-ten small business owners feeling optimistic about the upcoming year, companies are focusing on opportunities to maximize growth.
- [Alternative Transportation Financing Option Picking Up Steam](https://vivacf.net/news/why-factoring-right-option-transportation-financing/): Viva Capital Funding, the leading invoice factoring company, says more transportation companies are recognizing the benefits of transport factoring. Whereas traditional lending channels such as bank loans and lines of credit once seemed ideal, the appeal of debt-free, streamlined funding is attracting more growth-minded businesses than ever before. Additional insights into the shift can be found in “Why Factoring is the Right Option for Transportation Financing,” which is now live on VivaCF.net.
- [Applying Customer-focused strategies while invoicing.](https://vivacf.net/news/maintaining-customer-relationships-while-invoicing-key-to-small-business-success/): Viva Capital Funding, the leading invoice factoring company, says slow payments remain a major concern for small-business owners, particularly within the B2B sector. This, combined with current market conditions, has some small-business owners pondering the difficult decision—whether to push harder on collections or focus on maintaining customer relationships. Viva reps, however, contend customer relationships can be maintained while addressing invoicing and overdue payments and stress the importance of effectively managing both to bolster business growth. Additional details and strategies are outlined in “How to Collect on Your Invoices While Maintaining Customer Relationships,” which is now available to read on VivaCF.net.
- [Small Businesses Seeking Best Funding Options Overlook Key Solutions](https://vivacf.net/news/small-businesses-seeking-best-funding-options-overlook-key-solutions/): Viva Capital Funding, the leading invoice factoring company, says small business owners are paying for business expenses out of their own pockets at alarming rates. Nearly two-thirds report doing so in the latest Small Business Credit Survey, a trend the organization says is largely spurred by record-high credit denials in the small business sector. The survey results and relief options for entrepreneurs are explored in "What Are the Best Funding Options for Small Businesses?," an article now live at VivaCF.net.
- [Small Businesses Needlessly Plagued by Underfunding, New Report Shows](https://vivacf.net/news/small-businesses-needlessly-plagued-underfunding/): Viva Capital Funding, the leading invoice factoring company, says the underfunding of small businesses remains a key issue. With more than 80% of failed businesses citing cash flow problems as a contributing factor, per Entrepreneur, finding reliable funding sources is essential to the health and growth of small businesses across the country. However, the latest Federal Reserve Bank report indicates less than half have their funding needs met. Viva explores the causes and solutions in "6 Industries That Can Benefit from Invoice Factoring Services," which is now live at VivaCF.net.
- [Delinquent Payments Maintain Stronghold on Small Businesses](https://vivacf.net/news/delinquent-payments-maintain-stronghold-on-small-businesses/): Viva Capital Funding, the leading invoice factoring company, says it remains challenging to collect on B2B invoices, with slow payments plaguing the sector. Delinquent payments, which have been growing with alarming frequency in recent years, hit record highs during the pandemic and are not back to their traditional levels yet. The company offers a deep dive on the topic in "8 Ways Invoice Factoring Can Make Your Business Better," which is now live at VivaCF.net.
- [Extending Credit Through Net 30-Day Terms Risky.](https://vivacf.net/news/extending-credit-through-net-30-day-terms-risky/): Leading invoice factoring company Viva Capital Funding says one of the most common invoicing terms in the United States could be doing B2B businesses a major disservice. Known as "net 30," the phrase refers to the length of time an invoice recipient has to remit payment for work performed or goods delivered. Experiencing the implications of net 30 payment terms, many find them responsible for sluggish cash flows that prevent businesses from getting ahead, however, payment delinquencies are on the rise and operational costs are increasing. Viva breaks the concept down in "Net 30 Payment Terms: What They Are & Why it Matters," which is now available to read at VivaCF.net.
- [Viva Capital Funding Announces Multiple New Hires](https://vivacf.net/news/viva-capital-funding-announces-multiple-new-hires/): Viva Capital Funding has announced the following new hires and their positions: Celina Barron as Account Manager, Paco Irigoyen as Account Manager, Darlene Rosales as Account Specialist and Sasha Landskov as Marketing Specialist.
- [Introducing Sarah Williams as VP of Sales](https://vivacf.net/news/introducing-sarah-williams-as-vp-of-sales/): Viva Capital Funding (“Viva Capital”) is excited to announce the hiring of Sarah Williams as Vice President of Sales.
- [Top Three Reasons Trucking Companies Go Bankrupt](https://vivacf.net/news/top-three-reasons-trucking-companies-go-bankrupt/): Small businesses have to be lean, efficient, and strategic about their spending. When margins are tight, making ends meet can be a persistent struggle. And when, for trucking companies, some costs have to be paid upfront to move goods from point A to point B, covering those expenses can create additional financial strain. Natural disasters, accidents, or other unpredictable events can also create a unique set of challenges and unexpected costs.
- [Website Press Release](https://vivacf.net/news/website-press-release/): Viva Capital Funding is excited to announce the unveiling of its redesigned website which went live on January 1, 2018. Redeveloped utilizing the expertise and guidance of one of the country’s leading digital marketing companies, TopSpot, Viva Capital’s new online presence is a sign of Viva’s continued investment and commitment to providing its clients with world-class customer service, while also confirming its position as one of the leading specialty finance companies in the southwest United States.
- [Quickpay Press Release](https://vivacf.net/news/quickpay-press-release/): Viva Capital Funding is pleased to announce the execution of a third-party accounts payable Reverse Factoring(“QuickPay”) program with a leading general contractor in the southwest United States on a commercial project with total accounts payable in excess of $20.0 million. The program allows the general contractor to offer expedited payment terms to its subcontractors in return for a discounted payment amount, without impacting the general contractor’s working capital or cash cycle. Additionally, the general contractor can qualify for a rebate based on the timeliness of its payment to Viva Capital. Multiple subcontractors have already accepted the Viva Capital QuickPay Program for this project.
- [Hospital Press Release](https://vivacf.net/news/hospital-press-release/): Viva Capital Funding is pleased to announce the completion of a $4.5 million credit facility with a privately-owned surgical hospital in the southwest United States. The hospital had been seeking a traditional bank line of credit to support its accounts receivable, but due to a recent change in ownership, did not have the required operating history to qualify. Viva Capital was able to quickly put this short-term financing facility into place to provide the hospital with the necessary working capital. The facility also features the ability for additional advances subject to a formula based on the hospital’s billing and collection performance.
- [New Partners Press Release](https://vivacf.net/news/article-1/): Viva Capital Funding is excited to announce the addition of four new partners to its executive management team.

## My Testimonials
- [Testimonial3](https://vivacf.net/wpt-testimonial/testimonial3/): well advised and supported by Viva Capital Funding. I love it!
- [WP Testimonials 2](https://vivacf.net/wpt-testimonial/wp-testimonials-2/): Viva is a great resource that adds value to your organization.
- [WP Testimonials 1](https://vivacf.net/wpt-testimonial/wp-testimonials-1/): Viva Capital has always been there for us, whether it be for obtaining our original goals or helping out with new goals and the growth of our company.

# LLM Discovery File
URL:  https://vivacf.net/llm-info/
Title: AI Information Page – Viva Capital Funding, LLC
Description: Official AI-optimized company profile for Viva Capital Funding, LLC
Last Updated: September 2025
Contact: https://vivacf.net/contact-us/