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Kansas City's Trusted Alternative Financing Solutions

Alternative financing is becoming a go-to choice for many businesses today, offering a fresh approach to managing money compared to traditional bank loans. Invoice factoring is a standout option of alternative financing.


It’s a a practical choice for businesses because it doesn’t rely on your credit history or require collateral. Instead, it converts your unpaid invoices into immediate cash, providing a fast and flexible financial solution. It’s a great fit whether you're just starting out or running a well-established company.


With our invoice factoring service at PLEX Capital, you can quickly get the cash you need without the usual wait or hassle of regular loans. Contact us to explore how our alternative financing solutions can help keep your business financially healthy and ready to grow.

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Invoice Factoring vs. Other Alternative Financing Options

While there are several alternative financing options available for businesses, invoice factoring stands out for its unique benefits.

  • Merchant Cash Advances (MCAs): MCAs offer immediate funds but come with higher costs and daily repayments tied to sales. This often leads to predatory lending practices, placing businesses at high risk due to the substantial financial burden. In contrast, invoice factoring provides more manageable and predictable repayment terms.
  • Peer-to-Peer Lending: This option connects businesses with investors but often requires a good credit score and longer wait times. Invoice factoring, on the other hand, is quicker and more flexible regarding credit requirements.
  • Crowdfunding: While useful for project-based funding, crowdfunding is not suited for immediate cash flow needs. Invoice factoring efficiently fills this gap by providing fast access to working capital.
  • Lines of Credit: Although flexible, lines of credit typically require good credit and collateral. Invoice factoring offers immediate funds based on outstanding invoices without these stringent requirements.
  • Bank Loans: Although flexible, lines of credit typically require good credit and collateral. Invoice factoring offers immediate funds based on outstanding invoices without these stringent requirements.
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Maximizing Business Potential with Alternative Financing

Alternative Financing with PLEX Capital offers numerous advantages that can significantly enhance the financial health and growth potential of your business.

Immediate Access to Cash

Instead of waiting for customers to pay their invoices, your business gets immediate cash, which is crucial for covering urgent expenses, payroll, or investing in growth opportunities.

Collateral-Free Financing

Don’t risk your business assets to get the funds you need. This is particularly beneficial for small businesses and startups that may not have extensive assets to use as leverage for funding.

Flexibility for Growth and Expansion

Whether it's expanding your product line, increasing inventory, or taking on new projects, having readily available funds can be a game-changer.

No Credit Constraints

We focus on the creditworthiness of your customers, making it a suitable option for businesses at any stage, including those that might not qualify for traditional bank loans.

Enhanced Cash Flow Management

By converting sales on credit into immediate cash, your business can maintain a steady flow of funds, helping to stabilize operations and plan for the future.

Versatile for Various Business Sectors

Invoice factoring is ideal for a diverse range of businesses, especially small to medium-sized enterprises facing cash flow issues from delayed payments. Industries like manufacturing, wholesale, staffing, and logistics, where revenue is tied to invoicing, find this solution exceptionally useful.


It provides them with the immediate cash flow necessary to maintain operations, fulfill new orders, and invest in growth opportunities.


Additionally, startups and companies with limited credit history stand to gain significantly from invoice factoring. Since the focus is on the creditworthiness of their customers rather than their own, businesses in the early stages of development, or those recovering from financial setbacks, can access the funds they need.

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Frequently Asked Questions

Have a question? We’re here to help.

  • Why should I choose invoice factoring over a traditional loan?

    Invoice factoring offers quicker access to funds, simpler approval processes, and doesn’t rely on your credit score as much as traditional loans. It's especially beneficial for businesses needing immediate cash flow without the hassle or wait of bank loans.


  • Is my business eligible for alternative financing with PLEX Capital?

    Most businesses with receivables from other businesses or government entities are eligible. Plex Capital focuses on the creditworthiness of your customers, not just your business’s credit history, making it accessible for many businesses.


  • What is the difference between recourse and non-recourse factoring?

    In recourse factoring, your business is responsible if the client doesn't pay the invoice. In non-recourse factoring, Plex Capital takes on the risk of non-payment. The choice depends on your risk preference and business needs.

  • Will using alternative affect my relationship with my customers?

    Plex Capital handles invoice collection professionally and discreetly, ensuring your customer relationships are not impacted negatively. The process is typically transparent and can even reflect positively on your business’s efficiency.


  • How can I get started with invoice factoring at PLEX Capital?

    Getting started is simple. Fill out our contact form, and our team will guide you through the process, ensuring a smooth and straightforward experience.


A Community of Clients and Partners with Proven Results

Don't just take our word for it. Listen to the members of your community who have been able to pay their employees on time and expand their business thanks to help.

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Shemeks J

Verified Client Testimony

"In one sentence tell me why you use PLEX Capital? The reason I chose PLEX was that it was an engaging experience and all of my questions were readily answered. How has using PLEX Capital helped your business? It has helped my business to thrive. What is it like working with PLEX Capital? It has been educational and rewarding working with them."

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D. Richards

Verified Client Testimony

"Working with PLEX Capital has been an outstanding experience! The level of consistency, professionalism, and reliability that the PLEX team brings to the table has far exceeded my expectations. They are true professionals and experts in their field and a delight to work with!"

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PLEX HAS CHANGED THE LIVES OF EVERYONE IN MY COMPANY

"This company has changed the lives of everyone in my company. We have been able to do so much since we joined the team. We fight like family and love like parents if you are looking for a company that actually cares about the success of your business then Plex is the way to go."

Clarence Jones

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THANKS TO PLEX CAPITAL OUR FUTURE IS SECURE

"Amanda identifies with the underserved, minority, female, small business owner and embraces our unique challenges. Josh welcomed us with the promise of great service and they have delivered. Kayla provides exceptional support with patience, thoughtfulness, clarity and professionalism in a timely manner. Thanks to Plex Capital our future is secure and we can focus on building tremendous success."

Karen Millwood Voche'

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10/10 FOR COMMUNICATION, PROFESSIONALISM, & RESPONSIVENESS

"I have worked with Plex Capital for almost 2 years with 2 separate businesses and had a wonderful experience both times. All in all 10/10 for communication, professionalism and responsiveness."

Chianne Frasure

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PLEX CAPITAL IS AMAZING!

"Plex Capital is amazing! They are very professional and reliable. Sidney and Rick are always eager to help and a joy to work with. This company does not disappoint. I highly recommend them to others."

Solantra Health

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EASIEST COMPANY TO WORK WITH

PlexCapital is one of the easiest companies to work with. They have helped my friends with their business. Always willing to help. The owners' mentality is to help our little business grow by getting us bankable in the future."

Carlos Vides Advisor Academy

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BEST DECISION I'VE MADE THUS FAR FOR MY BUSINESS

"Plex capital is absolutely wonderful! The customer support and service is top tier. Plex has been a blessing in aiding me with the expansion of my company. I could not have chosen a better company to work with. Best decision I've made thus far for my business. I can assure you PLEX will get the job done!

Briana Jackson

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THEY HAVE BECOME THE ENGINE OF MY COMPANY

"Definitely a serious and dedicated company to help your business to grow, solve your funding problems for our businesses. Personally they have become my engine of my company! we love you Plex capital!"

Lupita Larumbe

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PLEX HAS BROUGHT LIGHT AND HOPE TO MY SMALL BUSINESS

"This company has brought light and hope to my small business! Amanda has been so patient and informative in my options but most importantly HONEST! Kayla has helped me tremendously with any questions I had. Very honored to be a client here :)"

Essential Healthcare Staffing LLC

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PLEX OPERATES IN THE SPIRIT OF SUCCESS

"I can't say enough great things about Plex Capital, this company operates in the spirit of excellence. I definitely recommend for any new or established business."

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PLEX HAS CHANGED THE LIVES OF EVERYONE IN MY COMPANY

"This company has changed the lives of everyone in my company. We have been able to do so much since we joined the team. We fight like family and love like parents if you are looking for a company that actually cares about the success of your business then Plex is the way to go."

Clarence Jones

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THANKS TO PLEX CAPITAL OUR FUTURE IS SECURE

"Amanda identifies with the underserved, minority, female, small business owner and embraces our unique challenges. Josh welcomed us with the promise of great service and they have delivered. Kayla provides exceptional support with patience, thoughtfulness, clarity and professionalism in a timely manner. Thanks to Plex Capital our future is secure and we can focus on building tremendous success."

Karen Millwood Voche'

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The Simple Steps to Getting Funded Today

We pride ourselves on the simplicity of our payroll funding process from start to finish.

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1. Sign Up for Free

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2. Send Your Invoices

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3. Get Funded Today

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