Insurance Rental Factoring

Get paid now.
Not in 60 days.

We purchase your insurance rental receivables and advance up to 85% of the invoice value. Keep your fleet moving without waiting on slow insurance payouts.

Request a consultation → See how it works
85%
Advance on invoice value
24h
Funding after approval
6%
Flat fee per invoice
$0
No upfront fees to apply
30–
90 days waiting for insurance carriers to pay your invoices
$∞
Cash locked in receivables while your fleet costs keep running
0
Leverage against slow-paying or disputing insurers

How it works

Simple. Fast. No surprises.

01
Upload your authorization
Send us the insurance authorization letter. Our system reads it automatically — no manual forms, no back-and-forth.
02
We verify & approve
We confirm the claim with the carrier and assess the receivable. Most approvals complete in under 2 hours.
03
Receive your advance
We purchase your receivable and advance 85% of the invoice value to your account within 24 hours of approval.
04
Insurer settles the invoice
When the carrier pays (typically 30–90 days), we collect the full amount. You receive the remaining balance minus our 6% factoring fee. This is a recourse arrangement — see our agreement for full terms.

Why Receivra

Built for independent operators

No credit check
Approval is based on the insurance carrier's creditworthiness — not yours. New businesses and startups welcome.
Simple onboarding
Account review typically takes 1–2 business days. Once approved, submit an authorization letter and funding is generally processed within 24 hours, subject to verification.
No lock-in contracts
Submit one invoice or a hundred. No minimums, no exclusivity, no long-term commitments. Use us when you need us.
SaaS dashboard included
Track every active rental, pending payout, and funded invoice from one clean dashboard — included free with every account.
Not a loan
Factoring doesn't affect your credit score or balance sheet. You're simply getting paid early for work you've already completed.

Per-rental economics

See what one rental actually earns

Every insurance rental is a receivable that typically sits unpaid for 30–90 days. Receivra purchases that receivable and advances the majority of its value shortly after approval — so your cash flow isn't held hostage to insurer timelines.

Use the slider below to model the economics of a single rental. Results are illustrative based on our standard 85% advance and 5% fee structure.

Single rental breakdown

Expected rental payment $675
Advance today (85%) $574
Our fee (6%) −$41
Paid on settlement $60
Total you receive $634

$574 today + $60 on insurance settlement (30–90 days)

Get started

Stop waiting on insurance.
Let's talk.

Leave your details and we'll reach out within one business day to walk you through how Receivra works.

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Important disclosures: Receivra provides commercial accounts receivable factoring services to business clients only. This is not a loan, line of credit, or consumer financial product. Factoring is the purchase of business receivables at a discount and is not subject to consumer lending regulations. All transactions are recourse arrangements — please review your factoring agreement carefully. The 85% advance rate and 6% fee shown are representative of our standard terms; actual terms may vary based on carrier, invoice size, and other factors. The "within 24 hours" funding timeline applies after approval and successful document verification; actual timing may vary. Receivra does not guarantee collection of any receivable. Calculator results are illustrative only and do not constitute a quote or commitment. Receivra is a commercial services company and is not a bank, lender, or licensed financial institution. Services are available to eligible businesses operating in the United States.