For business owners across a wide variety of sectors, opportunities can present themselves unexpectedly. Often, in order to grasp an opportunity with the potential to reinforce the company position or to grow the company, investment is required. When money is locked away in unpaid invoices, cash flow can be the bottleneck to taking action. With some invoices up to 90 days out, the money may be realized in time, but not quickly enough to leverage it immediately. Invoice factoring companies offer invoice factoring services to turn unpaid invoices into almost immediate cash, effectively resetting the date a business owner has cash to use from the day the client pays to the day the factoring services are approved. Factoring is not a loan and therefore no liability is added to the balance sheet, it does not interfere with applications for other types of financing. The increased cash flow allows invoices to be paid on time which in turn improves credit ratings, making obtaining credit in the future more likely.