With institutional lending restricting credits to small businesses, how can the small guy raise capital to make payroll, pay vendors, accept new orders or buy that much needed equipment?  One way to raise capital, which by way has been a practice for decades, is to sell accounts receivables to factors.   Factors are not lenders, they purchase invoices and charge a fee depending on the amount and size of the invoices bought.   Unlike a business loan where the process can take weeks and scrutiny of the small business owner’s payment history,  factors will look at the strength of the clients credit and not the owner operator.   Factors specializes on one or several industries from employment agencies to transportation bills so fees vary.