Accounts-Receivable Line of Credit

What is it?

DirectLenderMatch classifies Accounts-Receivable Line of Credit under the financing form “Revolving secured line.” Its typical use in this directory is: Borrow against unpaid B2B invoices.

How does it work?

The structure is generally evaluated, supported, or secured using the following basis: Eligible accounts receivable. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.

What can it be used for?

Borrow against unpaid B2B invoices.

What backs or supports it?

Eligible accounts receivable.

Why does this structure exist?

This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.

Important considerations

Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.

Is this actually a loan?

Loan or credit structure

Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.

Verified lenders or providers

Direct bank lender

Wells Fargo

Wells Fargo currently documents accounts-receivable purchasing/finance and asset-based lending.

Official evidence page →

Last verified: 2026-08-23

Direct commercial lender

Wells Fargo Capital Finance

Wells Fargo currently documents asset-based lending against accounts receivable, inventory and specified fixed assets.

Official evidence page →

Last verified: 2026-08-23