Non-bank business lending

Capital that moves at the speed of your business.

World Financial provides accounts receivable and purchase order financing to growing companies that need working capital faster than a bank can deliver it. Real underwriters. Direct decisions. Funding in days, not months.

Advance Rate
90%
Of invoice value, paid upfront
Funding in
3–7days
From application to wire
Facility size
$50K–$10M
Right-sized to your receivables
Direct lender — no broker chain
Decisions in 48 hours after a complete file
All industries — staffing, manufacturing, distribution, services
Bank turn-downs welcome
Our solutions

Two ways to unlock the cash already moving through your business.

Most growing companies don't have a profit problem — they have a timing problem. Customers pay slowly, suppliers want money now, and the gap is where great orders turn into stress. We close the gap.

— 01 / Solution

Accounts Receivable Financing

Turn your unpaid B2B invoices into working capital today. We advance against your receivables so you don't have to wait 30, 60, or 90 days to get paid.

Advance up to
90%
Lines from
$50K
  • Cash flow gaps from net-30/60/90 customer terms
  • Payroll and supplier obligations that won't wait
  • Growth opportunities you can't fund out of pocket
  • Credit profiles a traditional bank won't approve
See if you qualify
— 02 / Solution

Purchase Order Financing

Won an order bigger than your bank account? We pay your suppliers directly so you can fulfill the contract, deliver the goods, and grow the relationship.

Funds up to
100%
Order size
$100K+
  • Wholesalers and distributors taking on bulk orders
  • Manufacturers needing materials before production
  • Importers covering supplier deposits and freight
  • Government and enterprise contracts you can't say no to
Discuss your order
How we work

From conversation to capital in four steps.

No 60-page applications. No black-box scoring. You'll talk to an actual underwriter who understands your industry and gives you a straight answer.

— 01

Apply

A short application, your A/R aging or purchase order, and basic financials. Most clients submit everything in under 30 minutes.

— 02

Review

We assess the strength of your customers and the structure of your deal — not just your credit score. Term sheet typically issued within 48 hours.

— 03

Onboard

Quick due diligence, lien filings, and account setup. Most facilities go from term sheet to first funding in 3–7 business days.

— 04

Fund

Submit invoices or POs as you generate them and receive funds the same day. Draw what you need, when you need it.

Why World Financial

Built for businesses banks send away.

Banks underwrite history. We underwrite momentum. If your customers pay and your business is growing, you have a story we can fund — even if your tax returns don't tell it the way a bank wants to hear it.

Traditional bank

— What you're used to
  • 2+ years of profitable returns required
  • Heavy personal collateral and guarantees
  • 30–90 days to a decision
  • Rigid covenants and quarterly compliance
  • Fixed credit limit, hard to grow

World Financial

— What you actually need
  • Underwriting based on your customers' credit
  • Startups, turnarounds, and tax-lien situations OK
  • Term sheet in 48 hours, funding in days
  • No covenants — just simple monthly reporting
  • Facility scales as your receivables grow
Let's talk

Tell us about the deal you're trying to fund.

Share a few quick details and I'll personally reach out within one business day. Met me at an event? Let me know which one in the notes.

W
Will
Lending Manager · World Financial, LLC

Funding inquiry

Takes about 90 seconds. Nothing here pulls credit.
By submitting, you agree to be contacted by World Financial about your inquiry. We do not sell or share your information.

Thank you — we've got it.

Will will reach out within one business day. If your deal is time-sensitive, feel free to call directly at (312) 612-9075.