World Financial provides accounts receivable and purchase order financing to growing U.S.-based companies that need working capital faster than a bank can deliver it. Real underwriters. Direct decisions. Funding in days, not months.
We finance U.S. deals only. Your business and your customers must be based in the United States.
Most growing companies don't have a profit problem — they have a timing problem. Customers pay slowly, suppliers want money now, and the gap is where great orders turn into stress. We close the gap.
Turn your unpaid B2B invoices into working capital today. We advance against your receivables so you don't have to wait 30, 60, or 90 days to get paid.
Won an order bigger than your bank account? We pay your suppliers directly so you can fulfill the contract, deliver the goods, and grow the relationship.
No 60-page applications. No black-box scoring. You'll talk to an actual underwriter who understands your industry and gives you a straight answer.
A short application, your A/R aging or purchase order, and basic financials. Most clients submit everything in under 30 minutes.
We assess the strength of your customers and the structure of your deal — not just your credit score. Term sheet typically issued within 48 hours.
Quick due diligence, lien filings, and account setup. Most facilities go from term sheet to first funding in 3–7 business days.
Submit invoices or POs as you generate them and receive funds the same day. Draw what you need, when you need it.
Banks underwrite history. We underwrite momentum. If your customers pay and your business is growing, you have a story we can fund — even if your tax returns don't tell it the way a bank wants to hear it.
No — we finance U.S.-based deals only. Your business must be organized and operating in the United States, and the invoices or purchase orders being financed must be owed by U.S.-based customers.
We do not fund businesses, receivables, or purchase orders located outside the United States, and we are not able to make exceptions. If your company is based anywhere other than the U.S., we are not the right lender for you and we would rather tell you that here than waste your time.
Accounts receivable financing advances cash against invoices you've already issued for work delivered — typically up to 90% of invoice value. Purchase order financing funds the cost of fulfilling a confirmed customer order before you invoice, paying your supplier so you can deliver.
Plenty of businesses use both: P/O financing to deliver the order, A/R financing to bridge the wait for payment.
A term sheet typically follows within 48 hours of a complete file, and funding usually lands 3–7 days from application to wire. The pace depends mostly on how quickly you can get us your customer list, aging report, and the order or invoices in question.
Facilities run from $50,000 to $10 million, right-sized to your receivables. The line scales as your receivables grow, so you're not renegotiating every time you land a bigger customer.
Often, yes — bank turn-downs are a large part of what we fund. Underwriting is based primarily on your customers' credit rather than your tax returns, so startups, turnarounds, and tax-lien situations are all workable for U.S.-based businesses. Submitting an inquiry doesn't pull your credit.
Share a few quick details and I'll personally reach out within one business day. Met me at an event? Let me know which one in the notes.
U.S. deals only. We finance businesses based in the United States, with receivables and purchase orders owed by U.S.-based customers. If your company is based outside the U.S., we won't be able to help — no exceptions.
Will will reach out within one business day. If your deal is time-sensitive, feel free to call directly at (312) 612-9075.