What is it?
DirectLenderMatch classifies Invoice Discounting under the financing form “Receivables-backed financing/purchase.” Its typical use in this directory is: Obtain cash while often retaining collections.
How does it work?
The structure is generally evaluated, supported, or secured using the following basis: Accounts receivable. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.
What can it be used for?
Obtain cash while often retaining collections.
What backs or supports it?
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?
Workbook classification: Usually no. 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 invoice-finance provider
altLINE / The Southern Bank Company
altLINE, a division of The Southern Bank Company, offers invoice financing/discounting against accounts receivable.
Official evidence page →Last verified: 2026-08-24
Related financing structures
Recourse Invoice Factoring
Sell receivables for immediate cash
Accounts-Receivable Line of Credit
Borrow against unpaid B2B invoices
Non-Recourse Invoice Factoring
Sell receivables and transfer defined credit risk
Contract Financing
Finance costs of performing contract
Merchant Cash Advance (MCA)
Advance against future business receipts
Trade-Receivables Securitization
Raise term/revolving funding against receivable pool