altLINE review: Financing unpaid invoices
altLINE is a bank-owned factoring company, which matters: it funds from its own balance sheet rather than reselling your receivables. Factoring turns slow-paying B2B invoices into cash within days, and because the decision rests on your customers' credit, your own score barely matters.
altLINE is best for financing unpaid invoices. It offers $30,000 to $5,000,000 with 24 to 48 hours after setup funding, and requires no minimum credit score, no minimum time in business and $360,000 in annual revenue. Pricing: 0.5% to 3% fee.
altLINE invoice factoring details
| Amount | $30,000 to $5,000,000 |
|---|---|
| Cost | 0.5% to 3% fee |
| Term | 1 to 3 months |
| Repayment | Paid when your customer pays the invoice |
| Funding speed | 24 to 48 hours after setup |
| Min credit score | Not a factor |
| Min time in business | None |
| Min revenue | $360,000 per year |
Pros
- Your customers' credit matters more than yours
- No minimum time in business
- Bank-owned, so pricing is competitive for factoring
- Scales with your sales
Cons
- Only works for B2B or B2G businesses that invoice
- Your customers will know you factor
- Fees compound the longer an invoice is outstanding
- Volume minimums apply
Figures verified 2026-11-01. Providers change terms; confirm before applying.
Where altLINE stands out
Underwritten on who owes you, not on you
A startup with a Fortune 500 customer can factor on day one.
Where altLINE falls short
Not for consumer businesses
Restaurants, retailers and e-commerce stores have no invoices to factor. Look at revenue-based financing or a line of credit instead.
Who qualifies
Requirements
- B2B or B2G invoices from creditworthy customers
- About $30,000+ in monthly invoice volume
- Invoices free of liens
Consider altLINE if you
- You invoice other businesses on net-30 to net-90 terms
- Growth is outrunning your cash
- Your personal credit would block a loan
Alternatives to altLINE
altLINE appears in: Best Small Business Loans of November 2026, Best Bad Credit Business Loans of November 2026, Best Invoice Factoring Companies of November 2026.
Frequently asked questions
Is invoice factoring a loan?
Methodology
altLINE was scored on cost of capital, accessibility, speed, repayment flexibility, transparency and borrower outcomes, the same six factors applied to every business loans product on this site. Read how we rate. We have no commercial relationship with altLINE.