Receivables Financing with Goba
Receivables financing is one of Goba Capital’s core solutions. We help businesses access working capital by leveraging their accounts receivable (AR)—turning unpaid invoices into a flexible source of funding.
Whether you’re scaling quickly, facing seasonal cash flow swings, or managing extended customer payment terms, we build receivables financing solutions around your operations—not a template. Our goal is simple: to give you the liquidity to move forward—and the peace of mind to plan ahead. Our team works closely with clients to optimize cash flow through facilities that evolve alongside your business.
Among top receivables financing companies, Goba Capital is known for speed, flexibility, and clarity. We don’t just unlock capital—we deliver confidence that your growth won’t be delayed by a slow cash cycle.
Unlock clarity, liquidity, and momentum—with no time lost
What Is Accounts Receivable (AR) Financing?
Accounts receivable financing is a form of receivables financing that allows your business to access capital tied up in unpaid customer invoices—accelerating cash flow and minimizing the impact of long payment terms.
Unlike a traditional loan, this structure monetizes earned revenue without taking on additional debt or giving up control. The result is faster liquidity, stronger forecasting, and the ability to move without waiting on collections. This approach is especially valuable for businesses seeking financial agility without the friction of conventional lending.
With Goba, AR financing isn’t just a funding tool—it’s a bridge to the next phase of your business.
How It Works
We start by evaluating your eligible receivables. Based on invoice quality, terms, and volume, we structure a revolving credit facility. As your customers pay their invoices, your availability refreshes—creating a scalable, ongoing source of liquidity that grows with your revenue. The entire structure is designed to keep you moving—not waiting.
Why Businesses Use AR Financing:
At Goba Capital, speed is just the start—we move fast, but we do it with purpose and structure while giving you the peace of mind to grow your company. Receivables financing helps companies:
1
Accelerate cash without waiting 30, 60, or 90+ days for payment
2
Support large orders, growth opportunities, or payroll cycles
3
Improve supplier relationships through faster payments
4
Strengthen financial forecasting and capital planning
5
Avoid rigid bank covenants or equity dilution
This strategy gives companies the confidence to grow, hire, buy inventory, and fulfill orders—knowing liquidity is built into their existing receivables.
How we Structure our AR Lines
We tailor each facility to the client’s structure and liquidity needs, often drawing from a range of approaches:
-
Accounts Receivable Financing: Finance against receivables while keeping control of collections.
-
Factoring: Sell receivables to convert invoices into cash, immediately.
-
Asset-Based Lending (ABL): Use receivables alongside other assets to create a larger, financing facility.
Each of these receivables-based solutions can be structured to match your sales cycle, customer terms, and liquidity needs. For clients with broader funding requirements, we can integrate complementary solutions like Purchase Order (PO) Financing to support order fulfillment, or Supply Chain Financing to optimize vendor payment terms — creating a more holistic capital strategy.
Who Is AR Financing For?
Accounts receivable financing is designed for businesses that generate steady revenue but face cash flow challenges due to delayed payments. It’s particularly effective for companies navigating:
-
Extended customer terms (30–180+ days)
-
Seasonal demand and inventory cycles
-
Large contracts requiring upfront investment
-
Maxed-out or inflexible bank lines
-
Unpredictable billing or revenue cycles
At Goba Capital, we work with clients that are expanding, evolving, or entering new markets—and need financing that keeps pace with their momentum. We partner with companies at key moments—when clarity, capital, and speed make all the difference.
Industry Use Cases
Receivables financing supports a wide range of industries, including:
-
Agriculture: Exporters and distributors financing logistics between harvest and payment
-
Manufacturing: Covering material costs and timelines on large or custom orders
-
Wholesale & Distribution: Bridging delivery and receivables across high-volume sales
-
Professional Services: Funding operations while billing by milestone or monthly
-
Consumer Products: Supporting inventory and fulfillment during extended retailer terms
-
Transportation & Logistics: Covering fuel, fleet, and labor while waiting on contract payments
-
Other industries with long payment terms and recurring working capital needs
We tailor every solution to your industry’s revenue cycle and customer profile—so your capital works where and when you need it most.
Sample Transaction
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 structure gave the company stability through volatility—and the flexibility to pursue strategic growth.
How to Get Started with Goba Capital
Our onboarding process is straightforward, responsive, and designed for speed:
-
Consultation: We assess your capital needs and AR structure
-
Proposal: We present a tailored financing strategy
-
Diligence & Underwriting: Documentation and review
-
Terms: Finalized and aligned with your goals
-
Funding: Capital is deployed—fast, clear, and reliable
From first call to funding, our process is built to keep you moving—not stuck in paperwork. Throughout the facility lifecycle, we stay hands-on and responsive, supporting your team every step of the way.
Explore What's Possible
Receivables financing is often just the starting point. Goba Capital offers a full suite of complementary solutions to support your working capital strategy:
-
Factoring – Accelerate cash flow with full-service receivables conversion
-
Reverse Factoring – Improve supplier terms and preserve liquidity
-
Asset-Based Lending (ABL) – Leverage receivables, inventory, and more
-
Supply Chain Financing – Support vendors across the full supply chain
-
PO Financing – Fulfill large orders before invoicing
-
Custom Solutions – Hybrid strategies built around your growth trajectory
Our structures aren’t static—they evolve with your business.
Goba Capital structures receivables financing that aligns with your business—not a formula.We’re here to make sure capital flows—so your business can, too. Let’s talk about how to turn your invoices into working capital—and your growth plans into reality.