You've done the work. You sent the invoice. Now you're waiting 30, 60, even 90 days to get paid. Alacrity Funding advances up to 97% of that invoice — within 24 hours.
One application. We match you to the right factoring partner and handle everything — so you get funded fast without the runaround.
Advance up to 97% of your outstanding invoices within 24 hours. Rates from 1.5%. No long-term contracts. Scales with your volume.
Revolving credit from $10K to $500K. Draw what you need, pay only on what you use. Built for growth and seasonal cash flow.
Finance trucks, trailers, or machinery without draining working capital. Competitive rates, terms up to 84 months.
Specialized for contractors navigating retainage, progress billing, and slow general contractor payment cycles.
Simple application under 10 minutes. No hard credit pull. Tell us about your business and your customers.
We match you to the best-fit factoring partner based on your industry, volume, and customer profile.
Send your outstanding invoices. We verify them with your customers — hours, not days.
Up to 97% of invoice value in your account within 24 hours. Remaining balance follows when your customer pays.
Most businesses leave thousands sitting in unpaid invoices every month. We change that — with a process that's faster and more transparent than any bank or lender.
Start Your ApplicationFactoring isn't a loan. You're selling an asset you already own — your invoice.
Approval is based on your customers' creditworthiness, not yours. Even if your credit isn't perfect, you may still qualify.
No cap on how much you can factor. As your invoice volume grows, so does your available funding.
Bank loans take weeks. We fund within 24 hours of approval — every time, no exceptions.
"Within 48 hours of reaching out to Alacrity, the money was in our account. After years of chasing payments and stressing over cash flow, it felt like a completely different way of running a business."
Apply in under 10 minutes. No hard credit pull. No obligation. We respond within one business day — always.
Start Your ApplicationInvoice factoring, lines of credit, equipment financing, and construction funding — matched to your industry and volume. One application. We handle the rest.
Convert outstanding invoices to cash within 24 hours. Advance up to 97% of invoice value. Rates from 1.5%. No long-term contracts required.
Revolving credit lines from $10K to $500K. Draw when you need it, pay only on what you use. Ideal for growth and seasonal cash flow management.
Finance trucks, trailers, and heavy equipment without draining working capital. Competitive rates, terms up to 84 months, same-day pre-approval.
Specialized for contractors navigating retainage, lien waivers, and progress billing. We work with funders who understand construction payment cycles.
Tell us about your business — we'll recommend the right product within one business day. No pressure.
Talk to Us →Invoice factoring is not a loan — it's getting paid for work you've already done. Here's exactly how we take you from application to cash in your account.
Simple form, under 10 minutes. No hard credit pull. Tell us about your business and your customers.
We match you to the right factoring partner from our vetted network based on your industry and volume.
We verify your invoices with your customers. A routine process that takes hours, not days.
Up to 97% of invoice value in your account within 24 hours. Remaining balance follows when your customer pays.
Factoring is not a loan. You're selling an invoice you already own — nothing is added to your balance sheet.
Funds in your account within 24 hours of approval. Not days. Not weeks. 24 hours.
The more you invoice, the more you can factor. Your funding grows with your business automatically.
Trucking. Staffing. Construction. Manufacturing. Each industry has its own cash flow challenges — and we have solutions built around each one.
Carriers and freight brokers deliver loads today but wait 30–60 days to get paid. Fuel, drivers, and maintenance won't wait. We advance up to 97% of invoice value within 24 hours.
Works with owner-operators, regional fleets, and large carriers. No minimum volume. No long-term contracts.
You pay employees weekly but wait net-30 or net-60 to collect from clients. This gap limits how fast you can grow. We advance your staffing invoices so payroll is never the constraint.
GCs, subs, and tradespeople wait 60–90 days while carrying material, labor, and equipment costs. We partner with funders who understand retainage, lien waivers, and progress billing.
Large purchase orders and slow-paying distributors don't have to limit your production. We offer both invoice factoring and purchase order financing to keep your operation moving.
Government contracts pay reliably but slowly. Federal, state, and municipal cycles run 45–90 days. We unlock that cash immediately so you can grow your contract base.
Apply and we'll match you to the right factoring partner for your specific business.
Apply NowApply in under 10 minutes. No hard credit pull. No obligation. We'll match you to the right factoring partner and respond within one business day.
NY Disclosure Notice: Alacrity Funding LLC is a factoring broker, not a direct lender. We do not make credit decisions. If a specific financing offer of $2.5M or less is extended, required disclosures including total funded amount, finance charge, and broker compensation will be provided to you in writing pursuant to New York Commercial Finance Disclosure Law (NYCRR Part 600).
Complete the form and we'll match you to the right factoring partner within one business day. No obligation. No hard credit pull at this stage.
You'll move through:
Questions?
Email info@alacrityfunding.com
Mon–Fri, 9am–6pm EST
Our team will review your information and reach out within one business day to discuss your options and next steps.
Questions? info@alacrityfunding.com
Not sure if factoring is right for your business? Reach out — we'll give you a straight, honest answer. No pressure, no sales pitch.
Questions about factoring or which product fits your business? We'll give you a straight answer with no pressure to apply.
Monday – Friday, 9am – 6pm EST
Within one business day — always
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Important: This Privacy Policy explains how Alacrity Funding LLC ("Alacrity Funding," "we," "us," or "our") collects, uses, and protects your personal information. By using our website or submitting an application, you agree to the practices described here. We strongly recommend reading this in full.
Alacrity Funding LLC is a factoring broker based in New York. We are not a direct lender. We connect businesses seeking invoice factoring and other business finance solutions with third-party funding partners. Our website is located at alacrityfunding.com.
For questions about this Privacy Policy, contact us at: info@alacrityfunding.com
When you visit our website or submit an application, we may collect the following categories of information:
Personal Identification Information:
Business Information:
Financial Information:
Website Usage Data:
We use the information you provide for the following purposes:
We do not sell your personal information. We may share your information in the following circumstances:
With Funding Partners: When you submit an application, your information will be shared with one or more third-party factoring companies for the purpose of evaluating and potentially funding your application. These partners have their own privacy policies and we encourage you to review them.
For Legal Compliance: We may disclose your information if required to do so by law, court order, or government authority.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
Service Providers: We may share information with trusted third-party vendors who assist us in operating our website and conducting our business, subject to confidentiality agreements.
Notice to New York applicants: Pursuant to New York's Commercial Finance Disclosure Law (NYCRR Part 600 / SB5470), Alacrity Funding LLC is required to provide certain disclosures at the time a specific financing offer is extended for commercial financing of $2.5 million or less. These disclosures — including the total amount funded, total repayment amount, finance charge, and any broker compensation — will be provided to you in writing at the time of any offer. Submission of an application does not constitute an offer of financing.
We take reasonable technical and organizational measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data.
We strongly recommend that you do not send sensitive documents (such as bank statements or government IDs) via unsecured email. Our application form uses secure transmission.
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Applications that do not result in funding are typically retained for up to 3 years.
Depending on your location, you may have the following rights regarding your personal information:
To exercise any of these rights, contact us at info@alacrityfunding.com. We will respond within 30 days.
Our website may use cookies and similar tracking technologies to improve your browsing experience and analyze site traffic. You can control cookie settings through your browser preferences. Disabling cookies may affect certain website functionality.
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.
Our services are intended for business owners and are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately.
We may update this Privacy Policy from time to time. When we do, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Continued use of our website after changes are posted constitutes your acceptance of the updated policy.
If you have any questions or concerns about this Privacy Policy or how we handle your information, please contact us:
Alacrity Funding LLC
New York, NY
info@alacrityfunding.com
This Privacy Policy is provided for informational purposes. It does not constitute legal advice. We recommend consulting with a qualified attorney to ensure full compliance with applicable laws and regulations.
Please read these Terms of Service carefully. By accessing our website or submitting an application, you agree to be bound by these terms. If you do not agree, please do not use our website or services.
Alacrity Funding LLC ("Alacrity Funding," "we," "us," or "our") is a factoring broker registered in the State of New York. We act as an intermediary connecting businesses with third-party invoice factoring companies and other commercial funding partners. We are not a direct lender, bank, or financial institution. We do not make lending decisions or fund transactions directly.
Submitting an application through our website does not constitute an offer of financing, a commitment to fund, or a guarantee of approval. All funding decisions are made solely by our third-party lending and factoring partners based on their own underwriting criteria. Alacrity Funding makes no representations or warranties regarding the likelihood of approval or the terms of any financing that may be offered.
Alacrity Funding operates as a broker. If your application results in a funded transaction through one of our funding partners, Alacrity Funding may receive a referral fee or commission paid by the funding partner. This compensation does not affect the rates or terms offered to you — those are determined solely by the funding partner.
In accordance with New York's Commercial Finance Disclosure Law, any broker compensation will be disclosed to you in writing at the time a specific financing offer is extended.
Our services are available only to legally formed business entities operating in the United States. By submitting an application, you represent and warrant that:
You are responsible for the accuracy of all information submitted through our website or application. Providing false, misleading, or fraudulent information may result in immediate rejection of your application, termination of any existing relationship, and may expose you to civil or criminal liability.
Nothing on this website constitutes financial, legal, tax, or investment advice. The information provided is for general informational purposes only. You should consult with qualified professionals before entering into any financial transaction. Alacrity Funding is not responsible for any financial decisions made based on information provided on this website.
Our funding partners are independent companies with their own terms, conditions, and agreements. Once you are connected with a funding partner, your relationship is governed by their contracts and policies. Alacrity Funding is not a party to any agreement between you and a funding partner and is not responsible for their actions, decisions, or the terms of any financing offered.
All content on this website — including text, graphics, logos, and design — is the property of Alacrity Funding LLC and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without our express written permission.
To the fullest extent permitted by law, Alacrity Funding LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services, including but not limited to loss of revenue, loss of data, or business interruption, even if we have been advised of the possibility of such damages.
Our total liability to you for any claim arising out of or relating to these Terms or our services shall not exceed $100.
You agree to indemnify, defend, and hold harmless Alacrity Funding LLC and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from your use of our services, your violation of these Terms, or your submission of false or misleading information.
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in New York County, New York, and you consent to the exclusive jurisdiction of such courts.
Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
We reserve the right to update or modify these Terms at any time. Changes will be effective upon posting to our website with an updated "Last Updated" date. Your continued use of our website or services after changes are posted constitutes acceptance of the revised Terms.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
Questions about these Terms? Contact us at:
Alacrity Funding LLC
New York, NY
info@alacrityfunding.com
These Terms of Service are provided as a starting point and do not constitute legal advice. We strongly recommend having a qualified attorney review these terms before publishing to ensure full compliance with New York and federal law.