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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.

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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. 

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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 

Improved Cash Flow:

Access to immediate liquidity eliminates delays between invoicing and payment. 

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. 

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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

At Goba Capital, we work with growth-focused companies, that are expanding, entering new markets, or evolving their business models, requiring capital that moves at their pace.  Our clients often turn to AR financing to stabilize their operations, unlock value from accounts receivables, and position themselves for confident growth.  

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Common challenges among our clients include: 

  • Extended customer payment terms (30–180+ days) that delay cash inflow 

  • Seasonal inventory purchases and fluctuating demand that stress available capital 

  • Bank credit lines that are maxed out, inflexible, or no longer sufficient 

  • Large contracts requiring upfront investment in people, materials, or logistics 

  • Revenue instability due to delayed customer payments or unpredictable billing cycles

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These companies often require scalable, responsive financing that aligns with unique billing structures, client profiles, or geographic needs. Executives and financial leaders turn to AR financing to bridge capital gaps, maintain operational momentum, and convert receivables into reliable working capital. 

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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. 

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  • 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 

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. 

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. 

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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. 

1

Initial Consultation: We assess your capital needs  

2

Assessment:

Our team designs a tailored receivable loan strategy. 

3

Diligence and Structuring:

Our credit team reviews documentation and finalizes underwriting in an expedited manner. 

4

Proposal and Terms:

You receive a structured proposal aligned with your objectives. 

5

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 

At Goba Capital, we offer more than just accounts receivable financing. Our suite of funding solutions is designed to strengthen your financial position, enhance liquidity, and keep your operations moving in any market condition. 

Our Financing Services Include: 

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  • Factoring: Accelerate cash flow by selling receivables at a discount. Ideal for businesses needing immediate working capital. 

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  • Reverse Factoring: Improve supplier relationships and secure early-payment discounts while preserving your own payment terms. 

 

  • Asset-Based Lending (ABL): Unlock value from receivables, equipment, and other assets through a flexible line of credit. 

 

  • Supply Chain Financing: Stabilize your supply chain by supporting both upstream and downstream cash flow needs, and extend payment terms without putting pressure on vendor relationships 

 

  • Purchase Order (PO) Financing: Access working capital to fulfill large orders before invoicing. Bridge the gap between purchase orders and payment. 

 

  • Custom Financing Solutions: Tailored strategies that combine multiple tools—such as ABL, PO financing, and factoring—to match your growth goals and cash flow needs. 

 

What sets Goba Capital apart is our ability to design blended capital strategies. Clients often start with accounts receivable financing, then layer in solutions like ABL or PO financing as their needs evolve. This modular approach creates a seamless funding experience, giving your business the agility to respond to operational changes, seize opportunities, and drive sustainable growth. 

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How it all Connects: 

These options complement one another. A business might use AR financing to support receivables, ABL to support production, and PO financing to fund orders. Goba Capital helps businesses create balanced funding strategies using these tools. 

 

Let’s build a financing solution that works for you. Connect with Goba Capital today and turn your receivables into real opportunity. 

Receivables Financing

Factoring

Reverse Factoring

Asset Based Lending

PO
Financing

Supply Chain Financing

Custom
Solutions

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