Accounts Receivable Financing Solutions
Unlock committed working capital through structured accounts receivable financing solutions within broader private credit middle market strategies. Strengthen liquidity, stabilize operations, and execute growth without equity dilution.
Discuss a Financing OpportunityValue Proposition
Generate Consistent Liquidity
From Commercial Receivable Portfolios
Structured credit solutions that unlock working capital and align liquidity with operational performance.
Use Contracted Customer Obligations to Support Liquidity
Commercial receivables represent legally enforceable payment obligations supported by customer credit strength and invoice performance, forming the foundation of a structured receivables facility.
Establish Committed Credit Availability Secured by Receivables
We structure and execute senior secured revolving receivables-backed credit facilities for the private credit middle market. These solutions support disciplined borrowing and align credit availability with eligible collateral performance.
Expand Capital Availability as Revenue Increases
Accounts receivable financing availability reflects eligible collateral balances within structured alternative credit solutions, ensuring borrowing capacity aligns with receivable quality and portfolio performance.
Improve Liquidity, Visibility and Financial Stability
Structured accounts receivable financing solutions strengthen capital planning visibility and improve balance sheet efficiency through collateral-backed accounts receivable funding and revolving credit availability.
Our Framework
Structured Receivable-Backed Credit Solutions
Customize Facility Around Assets
We design structured accounts receivable financing solutions aligned with receivable composition, within broader opportunistic credit strategies, obligor credit quality, and contractual payment performance.
Provide Committed Revolving Capital
These facilities provide companies with consistent AR financing to support operational scale, strategic execution priorities, and financial planning.
Determine Capacity From Collateral
Borrowing availability is determined using qualified receivables, ensuring capital reflects current portfolio value.
Adjust Availability With Growth
Credit access expands naturally as billing volume increases and receivable balances strengthen.
Apply Institutional Risk Evaluation
Obligor profiles, payment consistency, and reporting integrity are evaluated as part of institutional credit underwriting before facility structuring.
Senior Secured Credit with Institutional Discipline
We structure senior secured credit facilities designed to align with institutional credit standards, ensuring durability, transparency, and dependable execution.
Key Benefits
Benefits of Accounts Receivable Financing
for Middle Market Companies
Receivables-backed credit solutions that strengthen liquidity, expand borrowing capacity, and support long-term growth.
Access Institutional Working Capital Through Private Credit Middle Market Solutions
Unlock committed liquidity secured by receivables to support operations, acquisitions, and strategic growth initiatives.
Increase Revolving Credit Capacity With Revenue Growth
Expand borrowing availability as receivable balances grow, aligning credit capacity with operational scale.
Strengthen Asset-Based Lending Availability
Leverage receivable portfolios to establish dependable working capital without relying on cash flow volatility.
Improve Balance Sheet Efficiency and Capital Utilization
Convert outstanding receivables into deployable capital and optimize overall working capital performance.
Maintain Non-Dilutive Institutional Capital Access
Secure working capital financing without equity issuance or changes to ownership structure.
Enhance Liquidity Predictability and Financial Planning
Maintain consistent access to revolving credit facilities aligned with receivable performance and business activity.
Reduce Dependence on Unsecured Credit Facilities
Use asset-secured financing structures to strengthen liquidity stability and long-term financial flexibility.
Access Flexible Receivables Financing Solutions Within Alternative Credit Strategies
Companies implement structured credit facilities aligned with collateral performance and operational requirements.
Eligibility Criteria
Who Qualifies for Receivables-Based Working Capital Financing
This AR Financing solution is designed for established middle market companies with strong commercial receivables and consistent operating performance.
Facility Range
Up To $100M+
Revolving credit secured by commercial receivables
Established Operating History
Companies with stable operations and predictable revenue generation. A proven business model supports structured working capital access.
Creditworthy Commercial Customers
Businesses that invoice reliable commercial or institutional clients. Strong obligors improve borrowing strength and financing availability.
Consistent Accounts Receivable Volume
Companies that generate regular receivables through ongoing invoicing. Recurring receivables support continuous access to working capital.
Diversified Customer Base
Businesses that serve multiple customers across industries. Diversification strengthens receivable quality and reduces concentration risk.
Professional Financial Reporting
Organizations with accurate accounting systems and timely financial reporting. Strong reporting enables efficient underwriting and scalable financing.
Need for Additional Working Capital Capacity
Companies that require capital beyond traditional bank limits. Receivables-based financing unlocks liquidity aligned with operational growth.
Private Equity-Backed or Privately Held Companies
Suitable for sponsor-backed and independent middle market companies. The structure supports growth, acquisitions, and operational stability.
Industries We Support with Accounts Receivable Financing
We structure AR financing solutions for middle-market companies operating in industries with consistent invoicing and commercial payment structures.
Business Services
Professional service providers are billing corporate clients for consulting, outsourced operations,...
Construction
Contractors and subcontractors performing commercial and infrastructure projects with progress billi...
Distribution and Supply Chain
Distributors and wholesalers supplying commercial customers through structured invoicing and consist...
Energy Services
Service providers supporting energy, utilities, and infrastructure sectors with commercial receivabl...
Government
Companies delivering products or services under approved government agreements with reliable and tra...
Government Contracting
Companies performing federal, state, or municipal contracts with approved receivables supported by c...
Logistics
Third-party logistics providers managing warehousing, fulfillment, and supply chain operations with...
Manufacturing
Companies producing goods or providing industrial services with established commercial invoicing and...
Oil and Gas
Service providers supporting upstream, midstream, and downstream operations with structured invoicin...
Staffing
Staffing firms providing workforce solutions and generating recurring receivables from commercial an...
Technology Companies
Technology providers delivering software, IT services, or managed solutions through recurring commer...
Transportation
Freight carriers and transportation providers generating receivables through contracted commercial s...
Our Accounts Receivable Financing Process
We follow a disciplined and transparent process to deliver reliable working capital secured by commercial receivables. Our approach aligns liquidity access with collateral quality, operational scale, and long-term financial objectives.
Collateral Evaluation
Review receivable quality, obligor strength, payment performance, and overall portfolio stability.
Facility Structuring
Design revolving credit facilities aligned with receivable volume, business model, and liquidity requirements.
Credit Underwriting
Institutional underwriting standards are applied with a focus on asset performance, risk management, and structural integrity.
Facility Implementation
Execute financing efficiently with defined reporting, collateral monitoring, and operational alignment.
Ongoing Liquidity Support
Provide continuous access to working capital that adjusts with receivable growth and business expansion.
Why EPOCH Financial Is a Trusted
Receivables Financing Partner?
Financing Advantage
6
Reasons institutions choose EPOCH as their receivables financing partner
Institutional Credit Expertise
As a trusted accounts receivable financing company, we structure receivables facilities using disciplined underwriting, collateral analysis, and institutional credit standards. Our team evaluates collateral quality, obligor strength, and portfolio performance to deliver reliable and scalable working capital solutions.
Facilities Aligned With Receivable Performance
We structure each receivables facility based on actual collateral composition and billing characteristics. This ensures borrowing availability reflects portfolio strength and supports ongoing operational requirements.
Scalable Liquidity That Supports Growth
Our revolving credit structures expand as receivable balances grow. Companies maintain consistent access to working capital without renegotiating facility terms or replacing existing financing.
Efficient Execution and Implementation
Transactions are executed through a structured and transparent process designed to support efficient implementation. Our team works closely with company leadership to implement facilities efficiently and align with operational timelines.
Reliable Institutional Capital Access
We facilitate dependable access to private credit middle market solutions designed for institutional working capital needs. Structured credit solutions support operational continuity, acquisitions, and long-term strategic initiatives.
Long-Term Financing Partnership Approach
We build durable relationships with companies and financial sponsors. Structured solutions evolve alongside business growth, ensuring ongoing liquidity and financial flexibility.
Get In Touch
Discuss Your Receivable Financing Opportunity
EPOCH Financial partners with middle market companies that require institutional accounts receivable financing to strengthen liquidity and support operational growth.
Connect with our team to structure a senior secured credit facility aligned with your receivable portfolio, collateral quality, and working capital requirements.
Frequently Asked Questions
Everything you need to know about our accounts receivable financing solutions. Can't find what you're looking for? Contact our team.
addWhat types of receivables qualify for financing?
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Eligible receivables generally include invoices issued to creditworthy commercial or institutional customers with verifiable payment obligations. Qualification depends on obligor strength, payment history, invoice aging, and overall portfolio diversification.
addHow much capital can companies access through receivable financing?
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Facility size depends on receivable volume, obligor credit quality, and portfolio performance. Middle market companies typically access credit facilities ranging from several million to over $100 million. Borrowing capacity increases as receivable balances grow, creating scalable liquidity aligned with revenue generation.
addHow is borrowing capacity determined?
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Borrowing availability is calculated using a borrowing base formula applied to eligible receivables. Advance rates depend on customer credit quality, payment history, aging, and concentration. This structure ensures financing aligns directly with collateral performance and receivable stability.
addHow does receivable financing differ from traditional bank lending?
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Receivable financing focuses primarily on collateral quality rather than enterprise valuation or cash flow alone. This allows companies to access larger and more flexible credit facilities, particularly when traditional bank capacity becomes constrained due to growth, acquisitions, or structural complexity.
addHow quickly can a receivable financing facility be implemented?
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Implementation timelines depend on portfolio size, reporting quality, and transaction complexity. Middle market facilities typically close within several weeks once underwriting, collateral review, and documentation are completed.