You want to find a factor who has non-recourse and who doesn't have a minimum fee or quantity per month. Many brokers have a quick pay option you can choose to get your money sooner. I would not pay more than 2% to them for the discount. Otherwise I would go with the factor. It is good to have a relationship with a factor or bank whether you use it now or not. I suggest getting a line of credit established with your bank. You can utilize the line of credit to get you through until the money starts rolling in if you cannot afford to finance your business. I would try to not use the line of credit unless you absolutely need it.