OP Consulting – Smart Capital Solutions
Invoice factoring solutions with a personal touch
Get immediate cash flow by turning your unpaid invoices into working capital. Our personalized approach ensures you get the funding you need, when you need it.
Get Started25 years
of experience
10k+
clients
$2B+
funded
We're here to support you with expertise and personalized service
At OP Consulting, we understand the challenges businesses face when managing cash flow. Our invoice factoring solutions provide immediate working capital without adding debt to your balance sheet.
Quick approval process with funding in as little as 24 hours
Advance rates up to 95% of invoice value
No long-term contracts or hidden fees
Professional accounts receivable management
How it all works
Submit your invoices
Send us your outstanding invoices through our secure portal
Get immediate funding
Receive up to 95% of the invoice value within 24 hours
We collect payment
We professionally manage the collection process
Receive the balance
Once payment is collected, you receive the remaining balance minus our fee
How to turn unpaid invoices into instant growth
Invoice factoring provides immediate working capital without adding debt, allowing your business to seize opportunities and overcome challenges.
Immediate Cash Flow
Convert your accounts receivable into immediate working capital without waiting 30, 60, or 90 days for customer payments.
Grow Your Business
Use the funds to take on new clients, purchase inventory, meet payroll, or invest in equipment and expansion opportunities.
No New Debt
Unlike loans, factoring is not debt. It's simply an advance on money already earned through your completed work and invoices.
Invoice factoring transforms your outstanding invoices into immediate cash, ensuring your business never waits for the funds you need.
With OP Consulting's invoice factoring solutions, you can:
-
Improve cash flow predictability
-
Take advantage of early payment discounts with suppliers
-
Focus on your core business instead of collections
-
Scale your business without taking on additional debt
Success stories to inspire your business
"OP Consulting's invoice factoring service transformed our cash flow. We were able to take on larger contracts without worrying about the gap between delivery and payment. Their team is responsive and professional."
James Morrison
CEO, Morrison Construction
"As a staffing agency, we were constantly struggling with cash flow due to the gap between paying our contractors and receiving client payments. OP Consulting's factoring solution eliminated this problem completely."
Sarah Richardson
Owner, Elite Staffing Solutions
"We were hesitant about factoring at first, but OP Consulting made the process simple and transparent. Their team took the time to understand our business and customize a solution that worked perfectly for us."
David Thompson
CFO, Thompson Manufacturing
Frequently asked questions
Invoice factoring is a financial solution where businesses sell their accounts receivable (invoices) to a third party (a factor) at a discount to get immediate cash. Instead of waiting 30, 60, or 90 days for customers to pay, you receive a significant portion of the invoice value upfront, improving your cash flow.
Unlike a loan, invoice factoring is not debt. You're not borrowing money; you're selling an asset (your invoices) for immediate cash. This means there's no principal to repay, no impact on your balance sheet's debt-to-equity ratio, and approval is based primarily on your customers' creditworthiness rather than your own credit history.
Invoice factoring is ideal for B2B businesses that invoice other companies and typically wait 30-90 days for payment. This includes staffing agencies, manufacturing companies, transportation and logistics providers, wholesale distributors, construction contractors, IT service providers, and many other industries where cash flow gaps between service delivery and payment can create challenges.
With OP Consulting, the initial setup typically takes 3-5 business days. Once your account is established, you can receive funding within 24 hours of submitting your invoices. Our streamlined process ensures you get the working capital you need as quickly as possible.
We offer both notification and non-notification factoring options. With notification factoring, your customers will be informed that they should remit payment directly to us. With non-notification factoring, you continue to collect payments from your customers as usual, maintaining your direct relationship with them. We can discuss which option is best for your business during our consultation.
More questions?
We're here to help you understand how invoice factoring can transform your business's cash flow. Contact us today for a free consultation.
Call us
Email us