When Factoring Isn't the Right Fit, We've Still Got You Covered
At Yoder Funding, invoice factoring is our specialty — but we know it's not the right tool for every business or every situation. That's why we've partnered with a national funding network of 520 lenders, to make sure you still have a path to capital even when factoring isn't the fit.
When This Option Helps You
Not every business has outstanding invoices to factor. If any of these sound like you, our Flex Funding option may be able to help:
You need startup capital and don't have receivables yet
You're pursuing real estate investment funding
You need unsecured business or personal funding, not tied to invoices
You've been turned down by a traditional bank and need a non-traditional path to capital
You need funding for any purpose, in any industry — not just accounts receivable-driven cash flow
What Flex Funding Offers
$10,000–$500,000 in unsecured term loan funding
3, 5, or 7-year terms, with rates starting at 5%
Nationwide coverage across 48 states (currently excluding California and Iowa)
No upfront fees, no prepayment penalties, no collateral required
Approvals in 24 hours, with funds delivered in as little as one week
Access to a network of 520 lenders through one simple application
To qualify, applicants generally need:
U.S. citizenship or permanent residency
Residency in one of the 48 eligible states
A 680+ credit score (though all credit is considered)
$50,000+ in annual income
Funding can be used for: real estate investing, business growth, startup costs, ecommerce ventures, transportation and trucking operations, fix & flips, Airbnb properties, home renovations, medical expenses, and more.
Eligibility requirements apply. Not all applicants will qualify for Flex Funding.
How It Works
Talk to Yoder Funding first.
We'll figure out together whether invoice factoring fits your situation.
If it doesn't, we make the introduction.
We connect you with our Flex Funding partner network.
Check eligibility.
Takes less than 5 minutes, with no impact to your credit.
Connect with a consultant.
Get matched with funding options and pre-approved in under 30 minutes.
Finalize and get funded.
Receive approval in 24 hours and funding in as little as a few days.
You get one conversation with us, and a clear next step — even if factoring isn't the answer.
Whether it's invoice factoring or Flex Funding, we'll help you figure out the right fit.
Get Pre-QualifiedFind your funding
path.
Share the basics and I'll reach out within 48 hours to help determine whether invoice financing or Flex Funding is the right fit.
Se habla español. Inquiries welcome in English or Spanish.