Nelson Cruz & Associates can help clients quickly obtain receivables factoring to cover immediate cash needs or fund growth without incurring debt. The application process is simple and does not require financials. The approval is actually based on the financial health of our clients’ customers. Most applications can be processed and funded in as few as three days; however, the average time to fund transactions is five to seven days. There is no minimum monthly requirement, so clients can factor only as needed. No personal guarantees or closing costs required!