Invoice Financing

Capital Now offers invoice financing and was founded in Calgary Alberta, in 2008. It is funded by Western Canadian private investors and is operated by the owners. There are a lot of questions that first-time clients might have. Below is a list of what factoring is, how it works and why we're in the business. We do not have a consultation fee so if you're ready to start now, go to our online application or give us a call.


What is invoice factoring?

Essentially, factoring (invoice financing) is the process in which we buy your invoices, send you cash today, and collect from your customer on your behalf - when they are ready to pay.

What is factoring - the dictionary definition?

Factoring is a financial transaction where a company buys a debt or invoice from another company for a discount. Factoring is also referred to as accounts receivable factoring, invoice factoring, and sometimes accounts receivable financing.

Is factoring a new concept?

Factoring is the earliest known form of commercial finance. Factoring is very common world-wide but the Canadian Business marketplace however, is just waking up to this service.

Is factoring a loan?

No. Factoring is a debt-free way to turn your accounts receivable into cash.

Will you qualify for factoring if your credit rating is less than perfect?

Yes. The decision to purchase invoices is based on the quality of your work and the credit of your customer.

What if the bank has turned you down?

Welcome to the club! Almost all of our clients were previously declined by the banks.

What are the benefits of factoring?

Factoring is off-balance financing and is not considered debt. There are no payments and there is no credit risk.


How to start the process!

Complete our brief online 60-second application and one of our cash flow experts will reach out to you by phone as soon as possible. Get Started

What information will I need to provide?

We'll go over this on our call, but generally, all we need are your invoices and support documents.

What if my accounting is a bit of a mess?

Don't worry, we've seen it all. We've been doing this for a long time. We're also familiar with various accounting software.

How do you process my invoices?

We reach out to your customer's accounts payable department to ensure that they have everything they need to pay your invoice.

What if you've worked with my customers before?

Then you're instantly approved! Click Here

How long does it take to get approved?

You'll be approved in hours, not days.

Once approved, how quickly will I receive funding?

Once processed, we fund for purchased invoices every two hours throughout the business day.

How will my money be sent to me?

Money is sent directly to your business bank account by EFT.

How much money have you given out over the years?

To date, we've funded over $255,000,000 in working capital.

What will my customers think of me using your services?

Capital Now's services are familiar to most of the customers you're already working with. We're only in contact with your customer's accounting department, which is generally not your actual day-to-day contact.


Why are you doing this?

We are business owners too! We know the stresses of owning a business. We know what it feels like when the bank account is low but you need to pay yourself and your staff. We are here to help and guide you to overcome your cash flow concerns.

Is factoring a regulated industry?

A majority of our team is certified as 'CAEF' by the International Factoring Association, which means Certified Account Executive in Factoring. Our team has the most certified leadership team in the world.

Why do you want us to succeed?

Our clients are changing the world. Capital Now is here to guide business owners to get paid and navigate the unique payment practices in Western Canada. This allows our clients can focus on what they do best, run their business.

What if I'm not in Western Canada?

Capital Now has a keen understanding of the nuanced nature of doing business in Western Canada (handshakes and high fives), but we also understand the rest of Canada. We have the aptitude to provide expert guidance and help you navigate the AP/AR terrain no matter where you live.

What if I refer someone?

If you know anyone needing cash for their outstanding invoices, you could earn up to $10,000 per month. Call 403.617.2075 Ext. 102 or email

Cash flow is a financial stress that can be overwhelming. Capital Now will buy your invoices, convert them to cash, so you can get paid today and get back to focusing on growing your business.