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FDIC-Insured-Backed by the full faith and credit of the U.S. Government

Business Financing

Factoring and Asset-Based Lending

Access flexible financing to meet your business's unique needs.

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Flexible financing solutions

Bridge cash flow gaps, finance growth initiatives, and navigate seasonal fluctuations without taking on traditional debt. Our team of experts is dedicated to delivering customized financial solutions.

Factoring is a powerful financing solution that turns your accounts receivable into immediate cash flow. Instead of waiting 30, 60, or even 90 days for clients to pay their invoices, we accelerate that cash cycle by providing upfront funding allowing you to focus on what you do best—running your business.

  • Advance rates up to 95%
  • Up to $10,000,000 credit limits
  • Competitive factoring discount fees
  • Flexible structure options
  • Quick approval process for funding
Inquire About Invoice Factoring*

Asset-based lending (ABL) provides flexible funding solutions by using your business assets—such as accounts receivable, equipment, and inventory—as collateral. This scalable financing allows you to access the capital you need to support operations, growth initiatives, or manage unexpected challenges, all without giving up equity.

  • Up to $20,000,000 credit limits
  • Advance rates up to 95% on receivables
  • Scalable credit lines that grow with your business
  • Flexible terms tailored to your cash flow
  • Competitive advance rates on equipment and inventory
  • Quick access to traditional bank financing when ready
Inquire About Asset-Based Lending*

Invoice Factoring Process:

  1. Submit your invoices to us on your online portal
  2. We verify the invoices using our tools to ensure the good or service has been completed
  3. We send you an advance
  4. We are paid by your customer and rebate you the difference

Asset-Based Lending Process:

  1. Apply for our Asset-Based Lending program
  2. We evaluate your assets value and provide advance rates against each of them
  3. Utilize our online borrowing base to create funding requests, much like a revolving line of credit
Get Started Today*

Why choose Climate First Bank?

Cash Flow Solutions

Bridge cash flow gaps caused by slow paying customers.

Growth Financing

Finance growth initiatives like expanding operations or purchasing equipment.

Flexible Terms

Navigate seasonal fluctuations without taking on traditional debt.

Expert Support

Dedicated team delivering customized financial solutions.

*Important: This email address is not intended for transmitting sensitive information. Please do not submit private financial or personal details, such as account numbers, social security numbers, or passwords.

Bank like tomorrow depends on it

As the world's first FDIC-insured, values based, digital community bank founded to combat the climate crisis, Climate First Bank is a full-service community bank offering both personal and commercial banking services. We are proud to serve our communities as we work together to promote sustainability and reverse the climate crisis. Click below to open your account today!

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