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Star Funding accounts receivable factoring review

For when slow-paying customers put a strain on your cash flow.

  • Best for businesses who have open invoices with creditworthy clients.
  • Pick something else if you can qualify for traditional funding elsewhere.
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Loan TermNot stated
APRNot stated
RequirementsSell to creditworthy businesses using invoicing with set terms, have full rights to receive payments

First, do I qualify?

Qualifications aren't laid out clearly on Star Funding's website. But it's likely that Star Funding makes decisions much the same as other accounts receivable factoring companies. 

To qualify, you'll need to sell goods to a creditworthy business. Your own personal credit, and that of any other owners, won't be evaluated. You'll also need to have full rights to the payments, and you must be part of an industry served by Star Funding.

What makes Star Funding unique? 

Even though the Star Funding site doesn't offer much in the way of details, it does offer nonrecourse factoring. This allows your business to get funds without the risk of having to pay Star Funding back if your client ends up not fulfilling the invoice.

Pros and cons

Fully explore the benefits and drawbacks before signing up with Star Funding.


  • Nonrecourse factoring means lower risk for your business
  • Personal credit isn't a qualification factor
  • Typically advances 80% of an invoice


  • No information about pricing, loan amounts or qualification standards online
  • Customer service line leads straight to voicemail if you don't have an extension
  • Initial signup is available online, but there's no indication of a full online application

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How do I apply?

You can’t apply on the Star Funding website. Instead, you'll have to fill out an online form to get put in touch with a representative. Here are the steps:

  1. Go to the Star Funding website and click Apply now.
  2. Fill out basic contact information for you and your company.
  3. Select your annual revenue and the type of financing you want to apply for and select Submit.

It can take up to 10 days to set up your account, so you may not hear from a representative right away. If you're looking for fast funding and responsive customer service, Star Funding might not be the best option.

What documents do I need to apply?

Star Funding doesn't specify which documents you need to apply. However, the following documents are typically required when applying for factoring:

  • Copies of government-issued ID for all owners
  • Business registration
  • List of customers
  • Access to invoices or accounting software

How do repayments work?

Accounts receivable factoring isn't a loan, so you don't have to worry over repayments. You're advanced a percentage of the invoice, and once your client pays you'll receive the rest — minus the fees for Star Funding's service.

If you're not sure about signing up with a potentially unresponsive provider, compare top factoring services instead.

Review by

Rhys Subitch is the loans editor at Finder, guiding Americans toward smart borrowing decisions. With over half a decade of experience researching, editing and writing for a Fortune 500 company, university and several independent publications, Rhys brings readers the most up-to-date and curated info in the lending sphere. They make frequent appearances on Finder's YouTube channel to talk through loan topics that range from the very basics to the latest government assistance programs. Before specializing in lending, Rhys was a personal finance writer for Finder’s credit cards, insurance, banking and mortgage verticals. They hold a BA in sociology and a certificate in editing from the University of Washington, Seattle.

Expert review

Star Funding offers working capital solutions to small and midsize businesses in a number of industries. Outside of its accounts receivable factoring, Star Funding offers purchase order financing, letters of credit, supplier credit and products for lenders and brokers.

But for all its offerings, it’s difficult to get information about its programs — including its accounts receivable factoring. You won’t find its fees, maximum or minimum loan amounts, states it serves or even full eligibility criteria online.

And calling the phone number on the website might not produce much in the way of information either. We called and were immediately directed to voicemail and never received a call back.

But what it does offer is nonrecourse factoring for its accounts receivable. It also lists some of the industries served, including wholesale and distribution, manufacturing, business services and staffing, among others.

Want to check out lenders that give details before you apply? Compare other business loan options.

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