Receivables Financing with Goba Capital
Goba Capital provides fast, reliable access to working capital. Receivables Financing is one of our core solutions. This structure allows businesses to unlock cash tied up in outstanding invoices or accounts receivables (AR) improving liquidity and enabling sustainable growth.
We work with businesses experiencing rapid expansion, seasonal fluctuations, or evolving liquidity needs. Our team helps optimize cash flow using tailored funding strategies based on the client’s operations and growth trajectory. We focus on measurable results and long-term scalability, not generic financial solutions. Among top receivables financing companies, Goba Capital delivers flexible options for fast-growing firms.
What Is Accounts Receivable Financing?
Accounts receivable (AR) financing is a form of receivables financing, allowing businesses to unlock capital from unpaid customer invoices. This improves cash flow by accelerating access to revenue that’s already been earned but not yet collected. Companies use receivable financing to reduce delays caused by long payment terms and to maintain cash flow stability. This process, often facilitated by a trusted receivable financing company, ensures continued operations during payment cycles.
Unlike traditional loans, this approach monetizes existing accounts receivables. The process eliminates unnecessary bureaucracy and offers flexible terms. Mid-market businesses use this model to scale operations without increasing debt. Reliable accounts receivable funding also strengthens internal forecasting.
How It Works
Goba Capital structures a receivable line after evaluating your eligible accounts receivables. Your business receives a revolving line of credit based on the value of your outstanding invoices. As your customers make payments, those funds are applied to the financing structure. The facility can grow with your sales volume, giving you scalable liquidity and trusted receivable funding.
How AR Financing Benefits Growing Businesses
Hemos evaluado
más de $6B en
oportunidades
de capital de trabajo
Operational Agility:
Growth opportunities and management of large orders without financial strain.
Stronger Supplier Relationships: Pay vendors promptly, secure better terms, and strengthen the supply chain stability.
These outcomes demonstrate how accounts receivable funding supports businesses through both growth and transition phases. Our flexible programs offer the stability of traditional loans with the adaptability of modern financing.
Who Is AR Financing For?
Accounts receivable financing (AR financing) is a strategic funding solution designed for companies that generate steady revenue but experience delays in customer payments. These delays can strain cash flow and hinder a company’s ability to operate at full capacity. AR financing offers a way to convert unpaid invoices into working capital, enabling organizations to maintain momentum without relying on rigid bank loans or diluting equity.
Ideal Client
Profile
-
Para ofrecerte las mejores soluciones de financiamiento, realizamos un análisis exhaustivo de tu industria, clientes y empresa, adaptando nuestro enfoque a tus necesidades.
​
-
Con nuestras soluciones, tu negocio puede acceder al capital necesario para expandirse y prosperar.
​
-
Nuestro enfoque personalizado permite que el proceso sea transparente y sin complicaciones.
​
-
Basados en Estados Unidos, pero con presencia global y colaboramos con empresas de todo el mundo.
​
-
Estamos bien capitalizados con capacidad de proporcionar líneas desde $3 hasta $100 millones USD
​
-
Nuestro equipo de profesionales tiene décadas de experiencia en la creación e implementación de soluciones financieras personalizadas para empresas de todos los tamaños e industrias.
​
-
Nuestro enfoque en gestión de riesgos minimiza tu exposición a riesgos innecesarios y proporciona tranquilidad, permitiéndote enfocarte en lo que más importa: el crecimiento de tu negocio.
​
-
Nuestro personal es experto, dedicado, y está comprometido con el nivel más alto de servicio al cliente.
Industry Use Cases
Receivables financing supports a wide range of industries. Here are a few examples:
-
Agriculture: Grain exporters and produce distributors use receivables funding to finance shipping, storage, and processing between harvest and final payment. This ensures consistent delivery and protects relationships with global buyers.
​
-
Manufacturing: Factories producing custom or high-volume orders rely on accounts receivable finance to secure materials and meet delivery deadlines before receiving customer payments.
-
Wholesale and Distribution: Distributors with high sales volumes but extended customer terms use invoice financing to bridge gaps between delivery and cash receipt, preventing disruption to replenishment cycles.
-
Professional Services: Agencies, consulting firms, and IT service providers that bill monthly or by milestone use accounts receivable funding to meet payroll, invest in new projects, or expand their team.
-
Consumer Products: Brands selling to large retailers benefit from consistent cash flow to maintain inventory and fulfill growing demand, especially when stores pay on extended terms.
-
Transportation and Logistics: Companies covering fuel, fleet, and labor expenses turn to receivables financing to maintain service levels while waiting for contract payments.
These use cases demonstrate how receivables financing helps companies maintain operational agility, enhance vendor relationships, and fuel long-term growth. Goba Capital structures each solution around your specific industry, revenue cycle, and client profile.
How We Structure Our Receivables Financing Lines
-
Para ofrecerte las mejores soluciones de financiamiento, realizamos un análisis exhaustivo de tu industria, clientes y empresa, adaptando nuestro enfoque a tus necesidades.
​
-
Con nuestras soluciones, tu negocio puede acceder al capital necesario para expandirse y prosperar.
​
-
Nuestro enfoque personalizado permite que el proceso sea transparente y sin complicaciones.
​
-
Basados en Estados Unidos, pero con presencia global y colaboramos con empresas de todo el mundo.
​
-
Estamos bien capitalizados con capacidad de proporcionar líneas desde $3 hasta $100 millones USD
​
-
Nuestro equipo de profesionales tiene décadas de experiencia en la creación e implementación de soluciones financieras personalizadas para empresas de todos los tamaños e industrias.
​
-
Nuestro enfoque en gestión de riesgos minimiza tu exposición a riesgos innecesarios y proporciona tranquilidad, permitiéndote enfocarte en lo que más importa: el crecimiento de tu negocio.
​
-
Nuestro personal es experto, dedicado, y está comprometido con el nivel más alto de servicio al cliente.
Sample Transaction
Grains Exporter
A grains exporter with significant international receivables and seasonal cash flow needs
Challenge: The company manages high-volume exports and large inventories but faces delays in payments from international buyers. These delays create operational challenges during peak export seasons and limit the ability to reinvest in upcoming cycles.
Solution: A $40 million accounts receivable financing facility that combines receivable funding and inventory financing. The structure advances funding against both stored product and international receivables.
Results:
-
Convert outstanding invoices into immediate cash, unlocking the working capital needed to manage supply and logistics.
-
Maintain a steady cash flow throughout the 30-month term.
-
Gain financial flexibility, allowing the business to streamline operations, seize new contracts, and expand its market presence without the traditional wait on collections.
This facility empowers the exporter to scale confidently, leveraging a strategic receivables financing approach built around its business cycle and international footprint.
Start Financing With Goba Capital
Our onboarding process is straightforward and efficient. Goba Capital guides each step and ensures transparency. Whether you're exploring working capital solutions for the first time or seeking a more responsive partner, our team will walk you through a seamless process from discovery to funding. We prioritize communication, customization, and speed to help you unlock value from your accounts receivables without disruption to daily operations.
Hemos evaluado
más de $6B en
oportunidades
de capital de trabajo
Hemos evaluado
más de $6B en
oportunidades
de capital de trabajo
Hemos evaluado
más de $6B en
oportunidades
de capital de trabajo
Assessment:
Our team designs a tailored receivable loan strategy.
Hemos evaluado
más de $6B en
oportunidades
de capital de trabajo
Diligence and Structuring:
Our credit team reviews documentation and finalizes underwriting in an expedited manner.
Hemos evaluado
más de $6B en
oportunidades
de capital de trabajo
Proposal and Terms:
You receive a structured proposal aligned with your objectives.
Hemos evaluado
más de $6B en
oportunidades
de capital de trabajo
Funding:
Upon approval, you gain access to working capital designed to support and strengthen growth.
We support clients throughout the lifecycle of the facility. Our process ensures timely access to working capital and room to grow. This makes us a preferred financing company for businesses in transition or expansion.
Take the first step today. Contact Goba Capital to discuss your accounts receivables and learn how to access reliable funding.
Explore Other Financing Solutions From Goba Capital
-
Para ofrecerte las mejores soluciones de financiamiento, realizamos un análisis exhaustivo de tu industria, clientes y empresa, adaptando nuestro enfoque a tus necesidades.
​
-
Con nuestras soluciones, tu negocio puede acceder al capital necesario para expandirse y prosperar.
​
-
Nuestro enfoque personalizado permite que el proceso sea transparente y sin complicaciones.
​
-
Basados en Estados Unidos, pero con presencia global y colaboramos con empresas de todo el mundo.
​
-
Estamos bien capitalizados con capacidad de proporcionar líneas desde $3 hasta $100 millones USD
​
-
Nuestro equipo de profesionales tiene décadas de experiencia en la creación e implementación de soluciones financieras personalizadas para empresas de todos los tamaños e industrias.
​
-
Nuestro enfoque en gestión de riesgos minimiza tu exposición a riesgos innecesarios y proporciona tranquilidad, permitiéndote enfocarte en lo que más importa: el crecimiento de tu negocio.
​
-
Nuestro personal es experto, dedicado, y está comprometido con el nivel más alto de servicio al cliente.