Generally, no – accounts receivable factoring is not a loan, so there is no amount to repay. Some recourse factoring agreements include a clause that would require you to repurchase an invoice if it stays open beyond your agreed-upon recourse period. However, if you choose a non-recourse factoring program, the factoring company would assume the risk if your client fails to pay. Ask your factoring company about both options to determine which is best for your business.