Our NFE program gives you the ability to manage your factoring expense by drawing funds as needed to manage your expenses such as payroll and vendor payments.

Upon completion of our Service Application, Pavestone will review your average invoice amount; calculate your customers average days to pay, and review the ability of your customers to pay its obligations. Based on that equation, we are able to create a competitive NFE structure for your company that provides liquidity, manages collections, and provides ongoing credit analysis as you focus on your business. Pavestone uses all of your invoices as a pool of collateral and creates availability based on the advance rate established during the application process.

The program is priced using two variables. The first component is based on the administrative cost which is a combination of the average invoice amount and your customer’s average days to pay. Expressed as a percentage, this fee is charged at the time of submission of the collateral (invoices). The second component is controlled 100% by you. Pavestone will use an index such as the Wall Street Journal Prime Rate plus a spread to determine the cost.

Since you are charged only on the amount of money you draw against the collateral pool, you are able to anticipate your cash flow needs and draw money when needed. As we receive collections, the proceeds will pay down your balance and create additional availability.

Pavestone makes us feel as if we were their most important client. When we call, we are never put on hold and problems get solved straight away.

Brandon Spackman | AG Needs

Your business is mature, you have some solid internal processes and a great staff. Your credit program is a great way to encourage sales, but slow paying customers and occasional dry spells impact on your cashflow. Meanwhile, inventory must be replenished, overhead costs are unrelenting, and employees expect their paychecks all the same.

We have a solution!

Begin the application process online!


Pavestone takes pride in its ability to rapidly process factoring requests, from application to final funding. Many times a decision will be made to fund a business within 48 hours.

Please get in touch to find out how we can work together to help you achieve your goals. Our friendly factoring experts will answer your questions and can provide further information on our services and products.

Use the handy email form or give us a call at 855 621-3996 during normal business hours and find out first hand why our motto is "We can make this happen"!

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