Invoice factoring lets you sell unpaid B2B or B2G invoices to a third-party factor at a discount, receiving 70 to 90 percent of the invoice value within days. The factor collects payment directly from your customer when the invoice matures, then remits the balance minus a factoring fee. Unlike a loan, factoring doesn't add debt to your balance sheet. It simply accelerates cash you've already earned. Emberfield Commercial Capital, a licensed broker at 1120 Alpine Ave, Boulder, CO 80304, connects Niwot businesses with factoring partners who understand Colorado's payment cycles and industries.