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⬣ Receivables-Backed Credit

Turn Outstanding Invoices Into a Working Credit Line

An A/R line of credit sized to your eligible receivables, not just your revenue or FICO score. Apply now and get two free strategist frameworks worth $594.

Check Your Eligibility → See the Free Bonuses

No hard credit pull to pre-qualify. Not a lender: we connect you with independent financing partners.

70–85% Advance on Eligible Receivables You Keep Customer Relationships No Hard Pull Pre-Qualification (888) 653-0124 Direct Line
The Problem

Your Balance Sheet Looks Great. Your Bank Account Doesn't.

B2B operators on net-30 to net-90 terms have money on the books they can't spend. Most financing options ignore that entirely.

Revenue-Based Lending Misses the Point

Standard business lines size credit off revenue and credit score, not the quality of your receivables. Strong invoices from creditworthy customers should count for more.

Factoring Costs More Than It Looks

Selling invoices to a factor hands over customer relationships and often costs more in effective fees than a properly structured A/R line of credit.

Eligibility Rules Are Rarely Explained

Which invoices count, how aging affects your borrowing base, and how concentration limits work: most operators find out the hard way, mid-application.

How It Works

Three Steps From Application to Funded

The same process our team uses with every operator who comes through this page.

Step 1

Apply in Under 3 Minutes

Pre-qualification reviews your receivables aging and revenue history with a soft credit pull, and it will not affect your credit score.

Step 2

Your Borrowing Base Is Calculated

Lenders in our network advance 70–85% against eligible outstanding invoices, factoring in aging and customer concentration.

Step 3

Draw Against Your Line and Close

Compare offers side by side. Your two bonus guides arrive by email within one business day of applying.

Included When You Apply

Two Strategist Frameworks, Free

Written by our Chief Credit Strategist for operators structuring a receivables-backed credit facility, yours at no cost when you complete an application.

The R.E.C.E.I.V.E. Framework cover
$297 Value

The R.E.C.E.I.V.E. Framework

A structured method for presenting your receivables aging, customer concentration, and collection history the way underwriters evaluate a borrowing base.

The A/R LOC Deal Accelerator Playbook cover
$297 Value

The A/R LOC Deal Accelerator Playbook

How to negotiate advance rates, eligibility criteria, and concentration limits so your credit line grows with your invoice volume instead of stalling out.

$594 Total Value

Delivered by email within 1 business day of a completed application. No separate purchase required.

See What Your Receivables Qualify For

No hard credit pull. Your invoice quality matters as much as your FICO score.

Check Capital Eligibility →
Frequently Asked

A/R Line of Credit Questions

What is an accounts receivable line of credit?

A revolving facility sized to your eligible outstanding invoices. Lenders typically advance 70–85% of qualifying receivables, and your available credit grows or shrinks with your invoice volume rather than a fixed limit.

How is this different from invoice factoring?

An A/R line of credit is a loan secured by your receivables. You keep ownership of the invoices and collect from your customers directly. Factoring sells the invoice to a third party, who then collects from your customer, often at a higher effective cost.

What size credit line can I qualify for?

Line size is driven by your eligible receivables, not just revenue or credit score. B2B operators with $500K–$10M in annual invoiced revenue typically qualify for lines sized at 70–85% of eligible outstanding invoices.

How do I get the two free bonus guides?

Complete the application through our secure partner link above. Our team emails both guides to the address on your application within one business day.

What industries use A/R lines of credit most?

B2B businesses that invoice on net-30 to net-90 terms (staffing agencies, wholesalers, manufacturers, trucking and logistics companies, and professional services firms) are the most common users.

Will applying hurt my credit score?

Pre-qualification uses a soft credit pull and a review of your receivables aging report, which does not affect your credit score. A hard pull only occurs if you move forward with a formal offer.

Ready to Apply for Your A/R Line of Credit?

Meridian Private Line connects operators with independent financing partners. Not a lender. Affiliate partnerships present.

Check Capital Eligibility →

Affiliate Disclosure: This page contains affiliate links. We earn compensation when you click links to lender partners. This does not affect your rates or terms. Full disclosure.

Meridian Private Line is not a lender and does not make credit decisions. Bonus guides are educational materials, not financial or legal advice.