Invoice factoring turns your accounts receivable into cash within days. You submit approved invoices to a factoring company, receive an advance (typically a percentage of the invoice face value), and the factor collects payment directly from your customer. Once your customer pays, you receive the remaining balance minus the factoring fee. This is not a loan; you're selling an asset you already own. For Brisbane businesses working with clients in South San Francisco or San Mateo County, factoring bridges the gap between delivering services and receiving payment, keeping your cash flow steady when project timelines stretch longer than your runway.